Embrace | Pet Insurance Review

After an expensive illness with a beloved pet, I decided to try Embrace insurance. My first claims were for wellness exams, and I received my checks quite quickly after the company received my paperwork. The most difficult part was the health history for my older dog, and a lot of that was a delay from my vet's office. I filed my first claim, which was incomplete, but Embrace contacted my vet and got the missing paperwork. I was issued a check within two weeks. I have been very happy with the communication from the company and their response time.

My dog, Dayton, has been Embraced for more than a year, and I cannot say enough good things about the ethics and efficiency of the organization. Most recently, we had accumulated claims for problems a vet had treated over a period of about five or six weeks. Embrace acknowledged receipt almost immediately and made decisions as to coverage (all favorable) shortly after that. At my urging, my vet has put out a stack of Embrace brochures, and I have preached the Insurance Gospel According to Dayton's Dad to any dog owner who would listen. We are deeply grateful to, and admiring of, this organization.

This is our first year with Embrace and so far, I'm not impressed. While our Wellness claim was paid promptly, the $60 reimbursement we received has to be balanced against the $150 unreimbursed cost to have an exam done for the ortho waiver. The remaining claims we've submitted so far have all been either denied or significantly reduced. I've actually given up chasing paperwork for the remaining receipts for this one dental procedure because I really don't have any expectation that doing that will satisfy our $500 deductible. The positive stars are only because the Embrace employees I've dealt with on the phone and through email are unfailingly polite, professional and try their best to be helpful. I'm not sure we will be renewing our policy next year.

As per last year, we submitted our claim for our dog's wellness checkup and annual shots. We were promptly notified of the claim receipt and a short time afterwards received notification of acceptance and we quickly received our check. All done in about a week. Embrace has been especially thoughtful in its correspondence with us. We love their wellness plan which in reality re-imburses more than we pay for it. We,like Embrace, want to keep our pet healty which results in cost savings to us and Embrace. We are glad we chose Embrace over the other insurers.

Embrace handled the claim efficiently and issued a prompt check to me. I could not be happier with getting a refund check within a week of submitted the claim.