Embrace | Pet Insurance Review

The website is interactive, informative, easy to navigate with fun graphics. My claims were easy to make. I was made aware by email when the claim was received and when it was processed and sent out. I've had a high deductible accident and injury policy for about 3-4 years before making a claim. I made 2 small claims for 2 separate torn toe nail removals. I just received my renewal for next year and the rate went up dramatically.

I enjoy having the peace of mind Embrace pet insurance affords. Anytime my pup is feeling under the weather I can rest assured the claim will be covered in a timely manner. I also enjoy the ease of submitting wellness claims for 100% reimbursement of routine wellness items and grooming visits.

Embrace is great! Quick communication, easy to use website, and very fast claim processing. I couldn’t believe how fast my claims have been approved and I’ve had a check in my hand! In addition, they are just a kind company. When I emailed them to take my cat off the policy because he had passed away, I got a sympathetic email AND a real sympathy card in the mail. I highly recommend to anyone with pets!! Having paid thousands for uninsured cats, getting insurance is a no brainer and Embrace is the best company to go with.

Purchased day 10 week puppy came home and $1,850 reimbursements later very glad I did (premium about $445 for 90% reimbursement after $500 deductible). Fast human phone customer service and offer waiver from 6-month waiting period for orthopedic issues if have vet do exam after purchase. Also having used two other insurers in past for other pets; prefer one deductible for all issues not new for each; specialists being paid at same amount as regular vet; and initial diagnostic vet visits covered (not all do - we have been at least 10 times the past 11 months). Only recommendation is claim submission form as requires 1 invoice per submission. My mini-aussie contracted severe case of Giardia that continued for about 4 months (many dogs have parasite it but never suffer effects). Four courses of treatment later it also effected her overall digestive health including vomiting and ongoing food irritations. Then after antigens gone; she caught kennel cough a couple months ago probably at doggy day care. Through it all Embrace has approved every claim submitted with no questions besides vet medical records - or hassle - and the check arrives 10 to 14 days later. In the beginning there were some claim issues related to vet billing changes but I quickly spoke to a supervisor. She has been very professional, and empathetic, and is just an e-mail away if a payment tardy (been about 20). I just received the policy renewal quote and was estatic so see no increase (unlike Go Pet Plan which I used several years ago for another dog - went up 10% annually first few from puppy initial plan to 15% by year 6 so dropped). Also used Healthy Paws in past for cat but when compared before buying this time it was more expensive.

Prior to Embrace I was with a different pet insurance company. I'm a good reader, but it seems not good enough. Virtually every claim was paid at a rate lower than I understood it would be based on what I read in the policy. I'd call, they'd explain, I'd say "that's what that means?...you're kidding?" No, they weren't. So I must have called into the Embrace Customer Service at least a half dozen times asking questions before switching companies. Well, now I am in the middle of a medical problem with my sweet labradoodle Faith - and Embrace is paying exactly as I read in my policy. Thank God.