Embrace | Pet Insurance Review

Our breeder recommended we get insurance on our new puppy for the simple reason you never know what puppies can get into. Our vet gave us 3 insurance names and after research we chose Embrace. Are we glad we did! Our pup ended up in the ER for pneumonia, was admitted to ICU, thus spent 4 days in the hospital which came to quite a hefty bill. I submitted our claims and had email updates every time the claims had a change in status from pending through approved. The reimbursement for our covered part was in our bank within 10 days from submitting. I was very pleased! We now have both our dogs insured through Embrace. They have been very helpful in answering any questions I have had when I spoke to customer service too.

Annie our new dog dislocated her hip 2 days after the illness period was over. I was concerned that the claims wouldn't go through and was not surprised to see the claim denied. I was surprised to see the reason why they had the claim denial reason as patient has not passed the 14 day illness waiting period. Dislocated hip as an illness? I called embrace they had me leave a voicemail for someone in claims. Who promptly fixed everything the next business day and the claim was approved. The reason for the issue something about a glitch in the system. The follow up claim for recheck radiographs was initially denied again....the reason being was listed as foreign body not recheck radiographs. I had to call again the claim once again was approved and we were got our money. So if you have them as your pets insurance provider question everything. Call them if you think something should have been covered. Talk to a claims adjuster the main number is staffed with non veterinary people. Each claim was approved we got there in the end but only because I questioned them .

I continue to feel a sense of relief knowing I have Embrace. The claims process is straight-forward and easy and reimbursement is always timely. I wouldn't use any other provider and feel incredibly lucky I found Embrace. Thank you Embrace!

I always receive great customer service from the representatives, and there is a quick turn around for claim reimbursement. I highly recommend Embrace Pet Insurance to every pet owner I know.

I have insured 2 beagles with Embrace insurance and have never encountered any problems with submitted claims. Having this insurance gives me peace of mind that I will be able to afford treatment that is needed. I have found the process from submitting claim to payment very efficient!