Embrace | Pet Insurance Review

I have had Embrace Insurance for about 6 years on 2 of my rottweilers. I have catastrophic insurance & dental only with a 1000.00 deductible, reduced to 750.00 w 2 pets. I recently had my 10 yr old female develop a vaginal discharge & acting lethargic. Took her in for an ultrasound & they found a large mass attached to her uterus which required surgery. Luckily they got it all & it was benign. Embrace without any problems paid 90% of her bills minus the deductible within about a week. After never needing them for almost 6 yrs I had to question how much push back I would get & honestly it went very smooth. Submitted all my bills online & they followed through. It was quite a large bill as surgery & 2 ultra sounds with a lung x-ray does add up. The only part they didn't pay for was her medication at the onset as I don't have medication coverage. Although they did pay for the oral meds during her surgery & her nights stay at the hospital for observation which I feel is important as bringing a dog home 5 hrs., after a major surgery to me is not wise. The only thing I wish is they didn't limit you to 10,000.00 a yr per pet by the policy you choose, 10,000.00 seems like a lot until you experience something like this. With the price of vet costs I think the limits should be higher depending on certain circumstances. Other than that I highly appreciate their promptness & concern for the pets.

Customer service short and very helpful. Wait time within reason

Great experience

I have gathered and submitted all medical records in addition to contacting all of the vets who treated my dog and asking them to send all records. So far, no claims have been paid. I have emailed and called in an attempt to resolve any problems, but with no results. I am not renewing my policy, and my understanding is that Embrace is no longer allowed to write new policies in my state.

Always very responsive with all my pet claims. Good customer service if you call in as well.