Embrace | Pet Insurance Review

I signed up for Embrace because of it's rankings and price. First had to do the ortho waiver which both of my pets passed with a clean bill of health. Then 3 weeks later, they asked us to contact our vet to have them fax the medical records. My complaint is, why didn't they have us do this when we did the ortho waiver(?) My vets complaint, understandably so, is why should he tie up his office staff even more faxing in the records when we were first there? Thus, he refused since he already gave the dogs a clean bill of health. Also, I saw in the fine print that after you send in the records, they will only be reviewed when a claim is filed UNLESS you request them to be reviewed earlier. This is definently a loophole for them to deny claims, and is a very ticky-tacky way to do business. Needless to say, I cancelled and went with another company.

Embrace is the third pet insurance I've tried and I have to say I have been very happy with their services thus far. They are in constant communication with you from the minute you sign up and getting my first check from them was hassle free and fast. Their policies are clear and there are no hidden exceptions.

Claim was handled fast and all my questions answered. I subbmitted a claim for my cat's annual wellness exam. I don't think I need to go through Embrace for the wellness exam reimbursement because it only saved me $50.00

Very unhappy with Embrace - I thought I researched carefully for the proper insurance for my dog Molly, my first claim after 2 years with Embrace, (I only submitted a claim when the expenses were high) was denied, after countless emails, and delays - totally confusing to me and to the Vet, who tried to keep up with what they requested. Finally they denied my claim in December after months of emails back and forth. Quite frankly, I am very sick of the whole thing. I would never recommend Embrace because they are just to hard to work with. I am cancelling my policy. Now lets see how hard they make that!!! Shirley McDonald - Unhappy former customer

- Accident claim for a bite was submitted on 5 Jan 2013.- Received request for further infromation on 7 Jan 2013. - Provided requested information on 8 Jan 2013. - Recieved aknowledgement of receipt on 9 Jan 2013. - Recieved notification of settlement on 10 Jan 2013. - Reimbursement was deposited into my bank account on 14 Jan 2013. - Claims representatives have been very helpful and I will be renewing my insurance once again....Thanks "Megan I"...you did a great job.