Embrace | Pet Insurance Review

As I look back at the process we endured in filing claims for Maggie's TPLO surgery in early January 2018, I ultimately am pleased with the end results in having Embrace Pet Insurance. Once a few hurdles were removed, they paid quickly, efficiently, and were ALWAYS very cordial and helpful. My two "less than a 10" issues are: 1. It was extremely frustrating and difficult to get the medical history information that Embrace required when we originally filed the first claim for Maggie's surgery. I don't know if it was a disconnect between our vet and Embrace, or what, but Embrace kept saying they needed detailed medical record information for the full year preceding the beginning of Maggie's coverage. I felt caught in the middle and not able to do what needed to be done. Our vet kept saying they had sent everything requested. At some point, I was told they faxed over 100 pages to Embrace, hoping that will suffice! Regardless of where the problem was, I feel it would best serve Embrace insured pets to require that information at initial signup. Then we would have known what was covered, what was deemed "permanent pre-existing conditions", and what was "temporary pre-existing conditions". We have a second Golden with Embrace insurance, and I am dreading trying to get her detailed medical record information to Embrace. Putting that off for now! 2. Now I am concerned how filing these claims will impact future premiums and coverage. Will just have to wait and see what the coming years bring! Overall, I can't say enough nice things about each and every person that I spoke with, from the day I first contacted Embrace about getting coverage for my two Goldens through getting the claims finally settled. Great group of folks.

I love having insurance for my dog as it would have costs me lots more if I did not have insurance. We get reimbursed quickly and get an email to tell us what is happening with our claim.

Great service worth the investment in pet insurance

This company has been so easy to work with from day one and the customer support is always incredibly friendly and supportive. They are very straightforward with what they cover and I appreciate knowing my animals are covered.

Embrace has been wonderful. Our Tucker is having kidney problems, they have been great in covering some very expensive testing ! They process the claims right away , cannot say enough great things about our interactions working with this insurance.