Embrace | Pet Insurance Review

What I like best is the consistent communication they keep during the process. I have only had one interaction with them so far, and so far, so good. I investigated prior to purchasing, and they were the most highly rated.

While sometimes there is a lag in completing claims (this is rare) I am always kept updated on the processing of the claim. I appreciate knowing that my claims have not fallen into a black hole somewhere and that my claim will be processed. I always feel a personal touch with the claims folks at Embrace.

Let it be known that even though the website says no medical history required to enroll. This part is true as they want your money. If you file a claim, you will need all your pets history from the time you got the pet. This is to protect the, from paying out claims for preexisting conditions, completely understandable. But I feel they should require this up front to avoid delays in processing and also denied claims. It took close to a month to complete claim because I had to go to several different vets and beg them to fax info to embrace. Vets are not fond of sharing their vet notes, note, i said vet notes, not just the receipts you get as a client. My claim was approved and I did receive my due amount in a timely manner after I got all the info faxed to them. Had I not been able to send them the vet info, my claim would not have approved and I would have been out the annual premium I paid for coverage. So be aware you need to request a medical review upfront otherwise you may be wasting your money if your pet has perexisting conditions. Overall I give them a 9. Would have been a 10 except for the pain of driving to old vets and getting info. Should of been told upfront.

This was a wellness claim that also had illness on it. I faxed my claim in. The claim was split into two claims and processed quickly.I had to call once to check on a question I had about it and the staff was very freindly and helpful. I also emailed once to check on the claim 14 into it and received a quick response same day and told my check was in the mail. 4 days later I received the check.

Process was very easy, printed forms on line, attached paperwork and mailed. I was able to keep track of status on line. I was kept informed of my claim via email the entire process. Very good customer service.