Embrace | Pet Insurance Review

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.

I submitted an appeal for Presley for date of 06/14/19. I appealed the hospitalization for the treatment of glaucoma. Dr. Parver filled out the questionnaire stating that the blood work and the hospitalization was strictly for the glaucoma. Your company only paid for the blood work. I am appealing this appeal cause clearly it says on the questionnaire stating that both the blood work and hospitalization was for the glaucoma. I left a message for Laura who took care of this appeal. I want someone else to look at this appeal because clearly she cannot read the questionnaire correctly.

I have been very pleased with my Embrace experience! Easy & customer friendly!

I've had Embrace coverage for my pooch for several years. She's been healthy, until she tore a tendon in her shoulder. I've never been so thankful to have a safety net to help with the expense for months of treatment and rehab. The premium has remained competitive, claims are easy and paid quickly.