Embrace | Pet Insurance Review

My 3 year old Lula Belle had to have knee surgery. Embrace paid 80% of the surgery, her aftercare because she had problems after surgery and the 6 week post surgery X-ray. I simply uploaded the claim form and receipt - very easy process. This peace of mind came through in a huge way for me!

The Embrace claim staff has been very helpful in educating me. I added the Wellness Plan and that has covered her vaccinations and her basic puppy obedience class!

Always great communication with the team and the coverage has worked out on every visit. Thank YOU!

We chose Embrace because they offered coverage overseas where we were stationed at the time. My previous experience with pet health insurance was with Healthy Paws, and I was happy with their cost structure. Embrace has similar a cost structure (i.e., deductible, and % of the billed amount reimbursed), but I could pay the entire year's insurance premium in one lump sum for a discount, which I couldn't do with Healthy Paws. Saving some money = good. The claims process is exceptionally quick, and the vets I've gone to here in Tampa all work with Embrace, so they handle 90% of the claims paperwork/transmittal/filing for me. Less paperwork = great. I also bought into the Wellness Plan, which I've used up in less than half a year, so that was money well saved; and I bought into the prescriptions plan, which is also helping to offset my actual out-of-pocket costs. I was always going to get pet health insurance for our new puppy, having had a good experience previously; I'm glad I signed on with Embrace.

Doggie had leg surgery so I’ve used the insurance twice to reimburse me for the X-rays and surgery. Claims were processed quickly and staff is very responsive. Claims process is very easy, take the claims form to the vet, they’ll stamp it, and send that form in with the vet bill. Super easy!!