Embrace | Pet Insurance Review

If your looking for a pet insurance for your dog, then do it when it is a puppy, and do your research. Ask your Vet staff which one they like. A lot of Vets want you to pay upfront and some will submit your bill for reimbursement. They use Vet records to determine if your dog has a pre-existing condition and decide not to pay for the service. And, know that most do not pay for well examines or vaccines. Prime example is ear infections, which can be a reoccurring condition in some breeds. Especially Labs who love water. Digestive problems can be determined as pre-existing. Your Vet can rebut the condition, so make sure you have a Vet willing to do this.

I've never experienced such amazing claim handling and customer service with any other pet insurance company, this has been the BEST experience. It's the same great service on wellness coverage as it is for illness coverage. I was skeptical when my vet suggested a company I was not familiar with, but man, I am so happy she did!

Embrace Insurance has helpful and friendly customer service, they made the claims process so simple and quick. It's reassuring to know that having Embrace Insurance, if an emergency arises, we won't have to worry about the financial aspect and we can just love and be there for our dog.

Initially I was very excited to have my dog covered by Embrace. I am a USAA member and got a good discount based on that referral. I was also worried that my rescued pitbull mix would not get a fair shake and be denied coverage. Thankfully the people at Embrace were more open minded than that and had no issues covering her. The issues started when the first claims came in and started to back up. No one was going through her previous vet records and kept telling me that I needed to submit more information even though all available info was made available multiple times. Months went by without payment and claims piling up until one day and several phone calls I finally spoke to one wildly intelligent and patient young man who took the time to piece together what I was so frustrated about, and managed to process all of my claims in 24 hours. I don't believe I told him I was really calling to cancel my policy that day but he managed to stop me. I wish I could remember his name. I'm sure it's written down somewhere. It just takes one person to listen. After that ordeal, I haven't had a single problem and Embrace has been a delight. Even for medical claims I wasn't sure they would cover. My dog is my family and she has medical costs like any other child or human. Embrace makes it possible to afford these things and enjoy other things.

I couldn't of taken care of my pets the way they needed if I did not have Embrace, just knowing I have it when I don't need it is comforting!!! They have 92) Dobies have better insurance than I do! I will never go without it again.