Embrace | Pet Insurance Review

I have been an Embracer since 2009 and have been very happy with Embrace Pet Insurance. I have two dogs and have their wellness rewards coverage that pays out more than you pay for it annually. I have had a few instances of using Embrace for illnesses such as ear infection, UTI and stomach issues, but they really became important when my dog, Blackie, suffered a partially torn CL. Surgery was recommend by my vet, but after research, I chose to get a custom brace for Blackie. I had already met her deductible (Embrace has a vanishing deductible program for years you don't make an illness claim) so that was no issue. I called Embrace to see if I had to stay within a certain price rang since this brace was expensive. I was told that I didn't, but just said I had a annual maximum (which I hope to never need), but other than that, no problem. They also let you have your covered costs paid directly to your bank account which is great if you have an expensive claim like I did. They are always very kind and helpful on the phone. The claims are paid straight minus deductible and then (for me) 80% on claims. They are not based on an allowable amount like many companies. I highly recommend Embrace!

This company is outstanding. Great rates, customer service and claim processing. I recommend to all!

We signed up for Embrace pet insurance in 2017 after our cat Albus passed away unexpectedly from heart disease. We previously had our pets insured through Nationwide but I was unhappy with the policy options and did not feel like I was reimbursed fairly after Albus passed away. I felt that Nationwide’s plans were limited, hard to understand, and filled with loopholes. We moved the rest of our pets to Embrace and I am so glad that we did! After being insured by Embrace for over a year, our second cat went into unexpexted heart failure and passed away within 48 hours. Because I was able to customize my Embrace policy, I knew EXACTLY what our plan covered and was able to make the best decision for her comfort, health, and end-of-life care without having to worry about what Embrace would or would not cover. Embrace covered approximately $2,200 in emergency vet bills and the full $600 bill for her in-home euthanasia and private cremation. I feel as if their customer service went above and beyond in processing the claims timely, answering my questions about sending in claims after her passing, and showing compassion when it was time to cancel her policy. Submitting the claims online with my phone was also extremely simple. I feel that Embrace practices honesty in advertising since there were no negative unexpexted surprises when it came time to receive my reimbursements. Between my wellness coverage and my insurance plan, they actually ended up covering even more than I expected. The claims were both processed in under a week and th funds were back in my account within days. Because I was reimbursed fairly and timely, I am using the claim reimbursements to fund the upfront costs of a preventative care plan for my remaining cat, which will also be covered by her wellness plan. Having to worry about money and insurance claims is the last thing I wanted to think about during this difficult time and Embrace made the process as simple and possible. I recommend Embrace to all of my friends and family (probably a little too enthusiastically) and I will continue to use Embrace for my other pets for life! Thank you for all that you do for pets and their owners!

I have had Embrace for 3 years now, and I have never had any issues with claims or anything. Customer service is superior. Embrace has allowed me to focus on caring for my puppy, instead of worrying about how to pay the vet bill. Thank you, Embrace!

Easy and fast submission of claims and reimbursement of claims submitted.