Embrace Pet Insurance Reviews

My dogs got the best care the doctors could provide, up until the very end of their lives. My cat is still enjoying the benefits of Embrace. And the peace of mind that I could rely on Embrace to process the claims quickly and efficiently helped me get through that uniquely special and heart-breaking late phase of each of my dogs' lives. Embrace Pet Insurance is one of the best financial and emotional decisions I have ever made. I always recommend it to my friends when they adopt a pet.

It took a few months but the underwriting finally was able to see the big picture. I was so overjoyed that they reprocessed several claims and paid out almost $1500 the next day. Embrace has won my loyalty. Thank you Embrace for taking care of my pet family. A big thanks to Alissa **, Claims Adjuster and Rachel **, Chief Underwriter on behalf of American Modern Home Insurance Company for being my advocates.

Needless to say, we have had and continue to have a lot of recurring claims to submit to Embrace. In each instance, all of our claims have been satisfied by Embrace without hesitation, with accuracy and in a timely manner. Embrace performs at this high level of satisfaction because they have an Internet website and processes for paperless submissions of claims that is very user-friendly. Also, Embrace has an outstanding staff of friendly professionals that processes the claims with immediacy. Further, Embrace deposits our reimbursements overnight directly into our checking account. To the contrary, other pet insurance companies that we used previously have never ever approached the integrity and efficiency demonstrated by Embrace Pet Insurance Company, proving to us that Embrace is the best in the business! Clearly, WE HIGHLY RECOMMEND EMBRACE AND THEIR SERVICES!!!

Like many insurance companies, I'm sure they get a bad rap as Insurance companies are easy to attack, especially if one doesn't understand the foundations of risk and cost avoidance that underlie the reasons and cost of having insurance. Embrace has been very easy to work with on those times that we needed help with the expensive costs that come with keeping our little furry friends healthy. Embrace agents are also very empathetic, especially when the health news is dire, and this isn't fake caring, they really care. I highly recommend Embrace to anyone with a pet, who wants to make sure they can afford to move forward with those hard medical decisions that may come up during the lifetime of your pet.

With the claim process going so smoothly through the testing and diagnosing part of this it is a huge weight off my shoulders to feel confident that it will be the same through the surgery and treatment part. I submitted three claims each in the evening after each visit and by the following night each one was approved and I have already received the reimbursement for all of them. I would be in a complete meltdown if I had to figure out how to pay for all of this out of pocket. Palmer is my best friend and just as important as our children are. I can’t thank you enough for taking so much stress of our shoulders!

During this time, our dog started to have a limp and I called to see what we could do. I was told about the orthopedic waiver at this time and was told I had to wait until 11/17/23 to even get an x-ray done. The rep told me that I could have a pre-cert form completed to see how much it would cost to have the x-ray. I called our vet and I HAD to have our vet examine him since he never had any issues in the past and she needed to see what was going on with him. I took him to the vet and she said an x-ray needed to be completed to see what was going on. She completed the pre-cert form and I sent it into Embrace.

I waited almost three weeks and received an email from a claims adjuster who reported that since I had the pre-cert form completed and the vet stated he had a limp the x-ray wouldn't be covered. Even after 11/17/23. I explained this makes no sense because in order for him to get an x-ray I had to take him to the vet for the limp. I was under the assumption that the pre-cert form would allow us to get an x-ray done earlier than 11/17/23, but this was not explained to me. I asked the claims adjuster if I had just waited until 11/17/23 and then had the x-ray it would have then been covered and she said yes. The communication was awful and now they won't pay for the x-ray.

After this fiasco, my husband and I decided to cancel our policy because we rarely take him to the vet and I'm not going to pay for insurance that won't even cover an x-ray. I feel deceived and lied to by their staff. They should have been more transparent with how they communicate especially when it comes to waiver periods and pre-existing conditions. What's incredibly frustrating is that the claims adjuster had one year worth of our dog's medical records which showed no previous limp and they still make you wait six months before you can the coverage you pay for.

Nothing happened for 3-4 months after receiving coverage. Then on a vet visit, my vet noticed my cat had loss weight. For my first vet visit claim, I found out they had never bothered to review my pet's medical records and proceeded to start adding ticky tacky "pre-existing conditions" which included something such as slightly dirty teeth now being an exclusion for dental diseases. I literally purchased them partially because they were one of the few companies that covered dental diseases. But apparently that has a massive asterisk to it.

The best part about my first claim? It took 1.5 months for them to start telling me anything and only after I had to reach out to embrace and the vets because apparently they were just going to string me along until I did anything. So basically I paid them for 4.5 months only to find out they were going to start adding ineligibility.

Flash forward to today 3 months from my first claim, I still haven't been paid yet. My cat is now dead. I am now finding out not only did they take 2.5 months to make their first decision on my pet's claim, they have suddenly reversed decision and telling me I'm not paying squat. Between dealing with my pet's health issues and death, I have to be the one constantly badgering the insurance company and reaching out to the vets to get information. Not only did I have to stress about my cat, I had to deal with this absolute dog poop of a company that has dragged its feet for anything just to screw me at every turn. I have spoken to probably 4 people at the company so far and I'm likely going to speak to a 5th. If you want an insurance company that will ultimately not pay you, expect you to do all the work yourself, try to put anything and everything as exclusionary, and just add stress to you while your pet is dying. Then yeah Embrace is for you.

What a frigging scam. I'm canceling my other pet's insurance policy. I have 0 trust if anything happened with my other cats they wouldn't find a way to bend me over here too. Could not recommend a company less - end to end, just completely screwing me. I guess it's better I find out now, because apparently if my cat had gotten sick 5 years from now they would have told me after collecting 5 years of checks they would just absolutely screw me. What the actual hell. 0 stars if I could. People are right, set aside the money you need - you won't get screwed. Embrace definitely is prone to flagging everything as pre-existing. I'm appealing but I expect nothing and just more stress. Thanks for squat!