Embrace | Pet Insurance Review

I'm a Veteran with PTSD. I live alone on 45 acres in the mountains of Southern California. My dog is my best friend and comforts me at night when I have nightmares. When he was bitten by a rattlesnake, knowing he was covered took the worry off the cost of care. He's was treated and made a 100% recovery.

My dog Ginger was scheduled for surgery on August 22nd. The night before her surgery, I went to print out a claim form to bring to the animal hospital. At that time, I realized that I should have submitted a pre-certification form before the surgery could be completed. I called the hospital and thought that I would have to cancel the surgery. They said to come in anyway, and they would call Embrace in the morning when they opened, and see if they could give the approval. I really expected a no answer, but that was not the case. Embrace spoke to the hospital, and returned an approval for surgery within an hour. I was beyond grateful!! Now that I know that any procedure involving surgery needs pre-certification, I will not make that mistake again. But it was soooo nice that Embrace was understanding that I made a mistake, and helped me out by rushing through the approval. I cannot say enough great things about this company! Embrace is the BEST!

It’s frustrating when I send in a claim and have two separate itemized receipts with it that the cheaper receipt goes through but the receipt over$400 somehow gets put in with the wrong date and is lost. So when I call in about it because I see one covered but not the more expensive one, they tell me it had the wrong date on it and they’ll fix it but it can still take over a week before it’s processed. It’s annoying that this is the first time I’ve had a claim this expensive and the first time they’ve messe it up. Strange to me. Almost like they didn’t want to reimburse me for the more costly receipt. Hopefully they will get it processed quickly being that it was their mistake. First time I’ve been disappointed with them so I would still recommend them but they should make a point to fix their mistake as quickly as possible instead of just saying it’ll be rather regular process time.

they litterally saved notorious (my pups) life . we had to fund his emergency from our bill account . they processed our claims so quick we didn't have to sweat it !

I have been completely satisfied with Embrace. Hank is my second dog that had a large bill (ACL repair) covered. Our prior dog had multiple services and bills covered towards the premature end of his life. I have been so pleased by the compassionate and competent handling of my concerns by the entire Embrace staff and I recommend Embrace to anyone and everyone that is looking for pet insurance.