Embrace | Pet Insurance Review

My ONLY 2 complaints are : They changed their holistic coverage, its covers much less. Really not enough for what is needed. They only cover 12 acupunture OR chiro OR laser, per condition, per year. So my dog who has arthritis, can only have 6 laser & 6 accu in 1 year. Also, the cost goes WAY up when your pets gets older :( I had a 25% increase last year & a 23% increase this year. BUT, i had 27K in claims in a 9 month period, all 80% covered, a couple years back. Then another 17K in 6 months time, also all 80% covered. Thank GOD! The claims process is SUPER easy once your pet is established & each condition is in their system & my refunds come super fast.

Online claims processing is very straightforward and easy to use; with minimum amount of time! I have been with Embrace since May 2015. They have been very responsive ever since including my reimbursements!! I would recommend them to anyone..

It is extremely stressful for us watching our little dog suffering so much from a skin infection spread all over his body. Now vomiting. And has to see a specialist. The one thing we can control is insurance paperwork. It doesn't get any nicer than the way Embrace makes it for us and how kind they are, knowing this is stressful.

I have been an Embrace customer for 9 years. I have never filed a claim except for the wellness policy claims which I highly recommend. My poor fur baby had to have knee reconstruction so I had a lot of claims to file. It only took several days to have all the claims processed and a couple days later the money was in my account. It all went just like the policy said it would. I like that you can adjust several things to custom fit your policy and the yearly deductible is so much better than the per incident that other pet insurance companies have. Filing claims is easy and communication is great. Thank you Embrace for taking the sting out of this ordeal!

It is so much easier now that we can submit our claims on line. Thank you!