Not recommended
Very disappointing experience. My claim was under review for almost 3 months, and during that entire time I received no real help or resolution.
The issue was that one of the clinics we used only for routine vaccinations had permanently closed and was no longer responding to either us or the insurance company. This was completely outside of our control. We provided all the receipts and visit records we had, clearly showing the dates and the vaccinations my dog received.
Despite providing everything available to us and explaining multiple times that the clinic was closed, the claim remained on hold for months. Instead of helping find a reasonable solution, the process just dragged on with no progress.
I paid for insurance expecting support when I actually needed it, but after waiting nearly 3 months, I was left extremely disappointed with how my claim was handled. I would not recommend this insurance based on my experience.
The issue was that one of the clinics we used only for routine vaccinations had permanently closed and was no longer responding to either us or the insurance company. This was completely outside of our control. We provided all the receipts and visit records we had, clearly showing the dates and the vaccinations my dog received.
Despite providing everything available to us and explaining multiple times that the clinic was closed, the claim remained on hold for months. Instead of helping find a reasonable solution, the process just dragged on with no progress.
I paid for insurance expecting support when I actually needed it, but after waiting nearly 3 months, I was left extremely disappointed with how my claim was handled. I would not recommend this insurance based on my experience.
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Don’t recommend
I don’t recommend embrace as an overall insurance for your pets and also the app is really difficult to use. The amount of times things have glitched or timed out is frustrating. You can only submit claims for businesses from a dropdown menu so if you send payments to a groomer via Venmo, they wont cover it. They have outrageous premiums with low overall caps so you rly need to do the math. Raised my premium $100 yo a total of $253 a month and in the two years ive had embrace, havent covered a single thing. Might as well have put that money into a separate savings. I’ve used healthy paws in the past and have had overall good experiences with them and their app usage. Does come with some normal insurance bs, but wish I would have just stuck with them.
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Unable to update my pets info or photos since last update
This app has been very good and convenient, but without the ability to update your pets’ information, it kind of defeats the purpose…
Submitting a bill
Submitting a bill is very user friendly ; no problem to get the money for the claim !
App is garbage!
Once upon a time, I could easily file claims for my pets in the app. The process was so quick and easy. Now, neither the app nor the website work. The app won’t even show my pets! All claims have to be emailed, and it takes at least a week for them to even acknowledge receiving it. This has been the case for months. They clearly have no intention of fixing the app, yet they continually push out useless updates. Garbage!
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