Reply from Embrace Pet Insurance

Embrace Pet Insurance is the real deal. My dog had to have emergency surgery for bladder stone removal after being diagnosed with a urinary tract infection. I received an invoice from the vet for the initial visit and another invoice for the surgery. I submitted the invoices on Embrace's website and 2 business days later they issued 2 checks and dropped them into the mail. I couldn't be happier with this company. : )

I called to cancel my plan and was subsequently hung up on when I told the representative that everything is a pre-existing condition according to their underwriters as that was my response to her telling me that any new insurance company I select will do the same thing.

Took the insurance for a test drive with my claim.

I guess this leading statement in the comments box, "What went wrong this time?", explains their work. My dog is experiencing something to cause him to vomit and I've had numerous tests done on him to see what might be the cause. Because a vet visit 11 & 1/2 months ago mentioned vomiting, Embrace stated this is a preexisting condition. Vomiting? Really? Who has a dog who didn't. My case is extreme this time, but Embrace refused to reimburse me a dime on anything. They said he would be covered for vomiting in the future if he has no further case of it for 12 months. I guess I missed the window of opportunity by half a month.

For some reason my email is now not associated with an account after I paid 469$ for an annual membership. Now have to go through the hassle of figuring out how to fix it so i can even put in a claim.

Embrace is great. The communication, ease of claim submission and turnaround time. The customer service is on point and exceeds expectations. I would recommend and do it all over again.

Embrace insurance is very deceiving on how they do their claims. They nit pick all the fees picking only the low fees like a cone for an emergency visit but not the actually emergency exam and medicine. I feel this is a rip off for all customers. Also the claims adjusters are not good trying to have customer do their job and me having to spoon feed them on how to communicate and read their own email. Do not recommend this company for anyone.

I just submitted my first claim. It was very easy but i have not received an approval yet let's see how it goes.

After 3 phone ,RESENDING MY CLAIM TWICE AND APPX TWO MONTH LATER THEY HAVE NOT PAID OUT MY CLAIM'. After less then enrolling a year since enrolling my 2 year old dog they raised my rate. when she turned 3, I never had so much issues when dealing with another company.