It't a waste of money they never pay on any claims

I strongly do not recommend Embrace Pet Insurance. We paid premiums expecting coverage for our pets, but when we filed our claims, all were denied. Both our family veterinarian and a veterinary specialist provided written letters confirming that the injuries were not pre-existing conditions, yet the company still refused coverage.

why claims take 30plus days from submission to authorization [and longer to pay] is beyond comprehension. and why embrace won't allow providers to file the claims directly is also beyond comprehension [except that they are counting on the insured to not file claims at all or not timely].

It should never take 3 months for a reimbursement! I was asked multiple times to send prior vet visits which I did and my vets did as well but clearly no one was paying attention.

Embrace has every single document on my dog since birth. I've sent them this information twice but my most recent claim has been sitting in "pending Medical records" for over three weeks. I've cancelled my dealings with them. Terrible to deal with. I've had enough. I'd give them a negative star rating if I could.

I’ve been an Embrace customer for a couple of years, and my recent experience was eye-opening.

When submitting a claim the website is always very difficult to use and trying to select a provider or date takes multiple attempts, extremely frustrating.

Weird to ask for a review before you have even processed the claim. I'll write a better one (maybe) if it is paid!

I have been waiting six months for my claims to be processed and paid out. My cat had to see a dermatologist back in March. It is now September! They have everything they need to process these claims but still nothing has been paid!

UPDATE: The insurance got back to me and is making things as seamless as they can during this loss I appreciate their cooperation I do think they need to work on phone responses but over all I value their empathy and compassion during these situations. Thank you embrace.