Embrace Pet Insurance

I have NOTHING but good things to say about Embrace! The app made submitting claims a breeze and everyone I have been in contact with was extremely nice and helpful. There were no hoops to jump through to get claims processed. Unfortunately my pup was poisoned and sadly passed away; we had a high vet bill and Embrace processed much quicker than anticipated. I never had to contact them to explain the situation or notify them of my baby’s passing. They saw in the vet bill and immediately reached out to offer condolences, I didn’t even need to cancel coverage as they had already done so for me. They made a difficult time so much easier for me and I will always be grateful.

I want to thank each and everyone of you at Embrace Pet Insurance. I have had my dog and 2 cats insured through Embrace for several years and up until recently, I have been lucky to not have to submit a claim. Unfortunately, my kitty, Smokey, began losing weight. He was very sick and I was taking him to the Vet and after much testing, they found he had Triaditis and Cancer of the Intestines. Needless to say, it was expensive and had it not been for Embrace, I could not have given my kitty extra time and comfort before I had to send him to the Rainbow Bridge. Embrace made it so easy to submit claim forms for each Vet visit, each test, all the medication poor Smokey was on. They processed the claims efficiently and quickly. They approved everything that was covered under the policy I chose and the checks were in my hands so I could continue to try to help my kitty. Smokey was the sweetest, kindest cat I have ever known. I miss him so much.

I'm really satisfied with Embrace Pet Insurance. When selecting Embrace several years ago, I read through all of the fine print, so there's been no surprises in terms of what's covered versus not covered. I was able to select a custom plan that fit my preferences in terms of my deductible, monthly premium, and maximum benefit. Asking my vet to submit claims for me has been really easy, and Embrace takes no more than two business days usually to process the claim. So many pets inevitably get sick, so it makes so much sense to get pet insurance!

In September 2018 I noticed that Jake was limping and seemed to have pain in his right hip. After taking him to the vet and having Xrays done, it was determined that our 4.5 yr old lab-great dane mix needed a new hip. I immediately called Embrace to find out what had to be done to ensure the insurance would cover this, indeed to find out IF they wound cover this. Imagine my joy and surprise when I was told, "Of course this is covered, let's start the paperwork so that it is precertified." WOW!!!. Within a matter of minutes, it was all done and Jake was set. Paying for something like this is a big deal and you wonder how to afford it. Embrace made it all so simple.

My husband scheduled our dog's annual physical and I didn't know about it until after he'd already taken her. I've explained to him more than once that insurance will only cover one physical per year (humans & pets) so they have to be scheduled for at least a year after the previous physical. This one was less than 10 months after her previous physical.

I had to have three cutaneous mast cell tumors removed from my dog. Within two weeks of submitting my claim my reimbursement was deposited into my bank account and without any hassle. Very helpful staff as well.

My Great Dane, Cupcake was healthy for the first three years of his life, then he developed an autoimmune disease, and also Lymes disease. He receives ongoing veterinary care and his bills are high. Embrace has ALWAYS come through. Never refused to pay a claim, and all claims are promptly paid. I can't say enough good things about this company, and am very grateful.

Embrace made an extremely stressful situation much less so. They were so helpful when our dog's ophthalmologist's office was dragging their feet about getting our claim forms back to us. The app is so simple to use, and our claim was processed extremely quickly. I highly recommend!

At the time of application, the company reviewed vet notes for previous 12 months. Those notes reflected one instance of vomiting and two instances of abnormal lab results. The only definitive diagnosis of a specific illness was a possible urinary tract infection. The company implicitly advised it would not cover any future illness that occurred within 12 months of the above findings if any of those findings reappeared in the future, unless it was proven the finding was unrelated to the new illness. It appeared to me that if my pet vomited again within 12 months and if that turned out to be a symptom of any illness whatsoever, there would be no coverage. My conclusion was that the company would be providing accident insurance only -- no illness coverage.

If I could give negative stars I would. This entire company is a joke. Typical insurance company that will do whatever it can to deny the claim. Even it means not following a previous appeal that was won. DO NOT do business with this company, you will 100% regret it when it comes time to use the insurance. Like another reviewer said, Embrace will place pre-existing conditions on your pet for ANYTHING you may have told your vet or any vet even if the notes are not verified by an exam or have been proven to be false and inaccurate by another vet. I have recorded phone calls of them telling me one thing and then when I ask about it am told, "Oh well sorry, you should not have been told that, they were incorrect." Integrity at its best here folks. STAY FAR AWAY FROM THIS COMPANY, PLEASE! Regardless of what comments they attempt to put here to justify their action.