There when you need it
so you never really think about having to put a claim in and you just usually think about paying your policy each month and each year the only time you will look at your policy is the first day you sign up and on your premium annual notification. You sometimes wonder if you should change your premiums as money gets tight and then you’ll always remember your animal is your family and on the days like now that I am glad I am part of the Embrace family. extremely hard time right now with my cat Romeo and I haven’t had a single problem with the claims process. I'm glad that's one less thing I need to
Think about right now and whether or not to
Get him the services he needs. Thank you Embrace
Think about right now and whether or not to
Get him the services he needs. Thank you Embrace
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Don’t pay for full year
Poor customer service. Claims adjuster refused to have another person look at records for second opinion on what was considered “pre-existing” and required a biopsy for a “skin growth” that no longer existed (claims adjuster couldn’t use any common sense to explain how to biopsy something that no longer exists).
Basically, everything is considered to be pre-existing, so they won’t cover anything.
Refused to remove auto-pay, so i had to go through my credit card to block future payments. I just wish i had paid month to month so i could’ve canceled after it was clear that they won’t cover anything… this was a $500 lesson to not use embrace.
Basically, everything is considered to be pre-existing, so they won’t cover anything.
Refused to remove auto-pay, so i had to go through my credit card to block future payments. I just wish i had paid month to month so i could’ve canceled after it was clear that they won’t cover anything… this was a $500 lesson to not use embrace.
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Embrace Is Great Until They’re Not
Embrace for me as a great…until they had to start covering claims. Multiple times I had agents attempt to deny a claim for an invalid reason, and only after clearing showing them they were in the wrong did they approve it and acted almost clueless. One time repeat claims (for physical therapy on multiple dates) for the exact same exercises was given different claim amounts! Each agent had a different reasoning which adds up to that Embrace tries their best to deny paying claims which they are responsible for; which is what we pay them a monthly premium for!
On the last issue I had with them, note the agent told me Embrace is allowed to speculate whatever they want to deny a claim, and if a vet writes an appeal letter they can choose to override it and say they think the treating vet is wrong. I’ve sent these communications to outside parties to view for consumer fraud, and I wanted to make it clear that Embrace has had a shifty history and not something I would recommend as being trustworthy.
On the last issue I had with them, note the agent told me Embrace is allowed to speculate whatever they want to deny a claim, and if a vet writes an appeal letter they can choose to override it and say they think the treating vet is wrong. I’ve sent these communications to outside parties to view for consumer fraud, and I wanted to make it clear that Embrace has had a shifty history and not something I would recommend as being trustworthy.
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Response from developer
Hello, we’re sorry to hear that your pup has been having issues. We are so happy that Embrace has been able to help you and your pup through these times.
Fantastic insurance!
We have two bonded sister Kitties. Both have had to go to the emergency pet hospital due to unexpected emergency situations. Embrace has been a godsend. It is not expensive to get and the service is very quick for reimbursement. We did open a credit card that we could hide away just for paying for the visits before getting reimbursed, as you need to have cash flow to pay for it, but that’s the only “downfall”. We are very happy to have Embrace.
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So easy to use
My dog is 14 and had pancreatitis and had to be in V.E.G in nAnuet for 5 days. It was life and death but with the loving care of everyone she made it. Embrace made it so simple to submit a claim and even better is that they did send us money to offset it. It was so easy ! Then my dog , Sophie had terrible back pain. We went back to V.E.G And again they helped us AND embrace again paid us on the claim even though it was only a few weeks from first claim. Great company!
Update is now she has an eye ulcer ! Embrace has been very supportive!
Update is now she has an eye ulcer ! Embrace has been very supportive!
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Response from developer
Hello, thank you for the feedback! We are so happy to have you and your dogs as part of the Embrace family!
Will Consider Anything a Pre Existing Condition
I submitted my first claim after lesions started appearing on my dog. The vet thought it to be an allergy. This was the first time anything like that happened. My dog is 10. had “hair loss” written in a note from a vet before I had pet insurance. She also had 2 skin tags noted. It took months before Embrace finally processed my claim. I sent them documents directly and they never added them to my file. I called them over a handful of times trying to get the claim processed. When they finally processed my claim, 3 months later, they told me they wouldn’t pay a penny. Somehow “hair loss” and “skin tags” are the same to them as lesions!?! Old dogs get thinner coats! She’s old and still has plenty of hair, it’s just thinner. The scabs were new. Embrace Pet Insurance is a waste of time and money.
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Response from developer
Hi there! We’re so sorry to hear you haven’t had a great experience. We’d like to help and look into any issues. Please email us at feedback@embracepetinsurance.com with your name and policy number and we will expedite reviewing your issue.
German Shepherd loves Embrace
Our pup had a rough start in life but we were blessed to have Embrace pet insurance already in place without knowing how important it would be for our girl. She was so sick and now has a chronic condition. To say that Embrace helped save her life is an understatement. Filing claims using the app is super easy and the few times we’ve called they have been wonderful to us. Thank you Embrace for helping us take care of our beloved GSD.
The Cole family ❤️
The Cole family ❤️
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Response from developer
Hello, we’re sorry to hear that your pup has been having issues. We are so happy that Embrace has been able to help you and your family provide the best care for your furry family member! Thank you for taking the time to leave feedback.
Amazing Care Hospital
We are so impressed with the fantastic care our Maggie received after her unfortunate accident with a car while she was chasing a deer. No clue how she was able to get out of her harness.
Everyone at Blue Pearl immediately took our baby back to start working on her. It was scary for us but they kept us informed every step of the way. There were update messages from her vet and her care team. Even sent pictures during her recovery.
We were so blessed to have all of these caring people taking care of our baby.
Everyone at Blue Pearl immediately took our baby back to start working on her. It was scary for us but they kept us informed every step of the way. There were update messages from her vet and her care team. Even sent pictures during her recovery.
We were so blessed to have all of these caring people taking care of our baby.
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Can’t upload photos when I want to, but then will only take photos for claims!
I would really like the ability to upload photos from my phone for each pet’s profile. I know this is silly, but it would be nice to have since all my photos live on my phone and not my desktop.
Ironically, when submitting a claim via the app you can *only* use your camera to take a photo of the invoice - I often have a PDF version since everything is electronic now, but there’s no option to attach a photo or other file type…so again, I have to pull out the dusty desktop.
Ironically, when submitting a claim via the app you can *only* use your camera to take a photo of the invoice - I often have a PDF version since everything is electronic now, but there’s no option to attach a photo or other file type…so again, I have to pull out the dusty desktop.
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Response from developer
Hello, we adjusted the upload process to improve speed & accuracy, but we hope to allow file browsing soon. To upload a document saved on your phone, first take a screenshot of the document. When you select "add invoice," you can tap the photo icon to add photos to the claim. Unfortunately, we can only upload pet photos from the desktop computer but hope to add that functionality to the mobile app soon. We are sorry for the inconvenience, please reach out to feedback@embracepetinsurance.com with any questions.
Fantastic overall!
First, the customer service is A+, the few times I’ve talked to a representative they have been so kind, patient and informative. When we were shopping around, the woman that we talked to from Embrace was the only one to take time and look at the different things our dogs breed is prone to and make sure those would definitely be covered under the plan we were looking at. No other company took that time.
Submitting a claim is easy and being able to see where the claim is in process is also easy. Quick to hear back and quick to reimburse. The app is also laid out so that it’s a breeze to use.
The preventative care plan is also the most comprehensive out of all the insurance companies we looked at. We have a dog whose breed is prone to bloat so we wanted to get him gastropexied as a preventative step. Every other company we talked to wouldn’t cover that procedure unless the dog had already bloated.
So glad we went with Embrace and we make sure to tell our friends and family members with pets to look into it as well.
Submitting a claim is easy and being able to see where the claim is in process is also easy. Quick to hear back and quick to reimburse. The app is also laid out so that it’s a breeze to use.
The preventative care plan is also the most comprehensive out of all the insurance companies we looked at. We have a dog whose breed is prone to bloat so we wanted to get him gastropexied as a preventative step. Every other company we talked to wouldn’t cover that procedure unless the dog had already bloated.
So glad we went with Embrace and we make sure to tell our friends and family members with pets to look into it as well.
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Response from developer
Hi Mandy, thank you for the feedback! We are so happy to have you and your pup as part of the Embrace family!
