Exceptionally poor communication timing and lack of accurate directions. Two months to resolve - unacceptable

I sent documents regarding my pet’s previous veterinary care and received a message stating that my claim could not be completed due to no documentation

Embrace finds extremely far-fetched reasons to deny claims, and fights tooth and nail against paying what they owe.

The worst pet insurance company

I have really struggled to get Embrace to understand I split my wellness bills from the vet into payments with the vet. I have had claims denied because the vet receipt to me says zero, but the charge was moved over to my installment, and they won't accept the installment because each payment to the installment doesn't have a wellness item attached to it. I send in both the zeroed out bill with costs, and the installment receipts, and still get denied.

It took me multiple times to submit my claim. Your website kept saying there was an error and please call for customer service. It did it numerous times but then when I would click the back button it would show the page required to continue the claim. ANyway, it was finally annoying and frustrating until I was able to finally get the claim submitted. About 20 minutes of my time instead of 5 minutes...

Do not sign up with this company. They will deny claims for "pre-existing conditions" even though the health issue is unrelated. They will badger your vet for the pet's complete medical record, even though they received it as I personally sent it. Then they will ask for it again. Clearly a stall tactic or they are very disorganized.

I acquired this policy based on my vet's recommendations as for the simplicity of it's usage. I was told after each visit a copy of my billing would and was sent to Embrace for processing of reimbursements ... Yet if there is a problem with embrace not receiving the invoice due to changes in their system processing methods I would not be reimbursed. as was the case for several years Receipts were sent in to what was then the original processing center not knowing of any changes having been made thus causing my claims to never have been seen and of course not being processed Embrace told me no matter what it's my responsibility and embrace holds themself at NO fault At $2,625.00 yearly is this truly the way to go?

Poor clarity of coverage on website. Misleads customer into believing routine or preventative vet visits would be covered. Customer support staff is not sensitive or understanding of customer’s perspective. Generally just a difficult and misguided experience.

Embrace sounds good until you pay and learn that nearly every vet visit is not covered. There were multiple occasions where I was told by Embrace that they needed medical records to review a submitted claim. They would request that I contact my clinic. I would contact my clinic only to learn that my clinic had already responded to the original ask for embrace. This felt like a racket and was definitely a waste of my time.