Embrace | Pet Insurance Review

I have only submitted two small claims on one of my pets but neither one of those were high enough to exceed my $500 deductible. I did have to follow up with customer service several times on the first one to get it to apply towards my deductible but it finally did. They kept saying there was a computer glitch problem. The second one applied towards my deductible right away. My policy renews next month, so we'll see what happens this next year if I have a claim that would exceed my deductible. The rates seem High when you don't have any medical problems over the year to claim but when major things happen such a surgeries are cancer, then the rates don't seem unreasonable at all.

has been a big help. very easy to file claims. get updates along the way.

My husband and I have insured our 2 dogs with Embrace for 5 years. Their customer service is above and beyond awesome. We needed to use the insurance the first year for our younger dog who came from Cleveland with heart worm. Embrace didn't hesitate to pay the bills. (we have the $500 deductible 80% payment) Recently, our older dog (14+years) developed heart issues (too much protein in the non-grain foods!!! Choose grain foods unless your dog has allergies! Latest warning from dog health websites.) For 5 months, he needed heart, lung or abdominal draining. Again Embrace was spectacular in helping us with bill payments. Yes, you pay as you go along, but when you need it, the insurance is there. We just added the puppy (3.5 months) on our policy. I can only say they are awesome!

Claims are processed efficient and fast with excellent communication. The only reason I did not give a 5 star rating is because premiums go up significantly every year. I have a 3 year old retriever with almost no medical claims (spaying at 6 mos.) Almost all claims are annual checkups which are covered by a separate policy which is really a pet HSA policy. My fear is as my dog gets older and will need the medical insurance, the premiums will be more than I can afford.

Embrace has been great so far. We have never had a problem with claims. They are reasonably priced , efficient, courteous , and honest. I recommend their insurance . Our pet has had some unexpected health issues , and embrace has been there for her the entire way.