Embrace | Pet Insurance Review

Embrace has been the best customer service experience we have ever dealt with, period. They are quick and efficient, extremely fair in their claims process, and overall the easiest part of managing major medicinal issues for our boxer boy. Our dog was 8 months old and diagnosed with Steroid Responsive Meningitis Arteritis. Without immediate care and months of medication, he would have died, but thanks to our vets, care credit and embrace, we have weathered the initial diagnosis and one relapse and still have a healthy, happy; typical boxer pup. The claims process is simple and the reimbursement process quick and easy. We were only denied one claim - for diarrhea, because we had seen the vet for diarrhea during the waiting period so it was deemed pre-existing. I don’t agree with that, but given their quickness to reimburse every other multi-thousand dollar claim, I can’t complain. The other WONDERFUL thing about embrace is they will not drop you for claims! Premium renewals and pricing are not based on whether or not you made claims, which means we have the security of having insurance for our dog even if he relapses again.

I am thoroughly satisfied with Embrace. I have had a few ups and downs with my two cats over the past year, and they are always quick to assist and to help me whenever I need it.

Embrace pet insurance is the best money I ever spent on my cat. It took less than 10 business days to get my reimbursement. 100% of the expenses were deemed eligible, and after my small deductible I received 80% as my reimbursement. My deductible was smaller because my pet had gone a few years with just wellness visits, not an illness or injury visit.

Claim for wellness visit got there at the last minute because I thought it had been filed by my vet's office. However, we made the deadline and the claim was settled. All of our experiences with Embrace, which included a stem cell transplant for the same dog, were met with a helpful staff. Embrace for us has truly been a hassle free insurance company. My questions are always answered and the staff goes out of their way to help me.

When I purchased this insurance a couple of years ago it was because I was reading about all the canine cancer among my dog owner friends and I didn't want to ever have to make decisions based on money. Thank goodness we haven't had that issue, but in the past two years our Joey was diagnosed with seizure disorder. The cost of the ER bills, regular vet visits, routine bloodwork and meds was more than I could have imagined but Embrace has been there all along. Once met my deductible I just filed the paperwork online and my claim was settled, usually in less than a week. My reimbursement goes right to my bank account, lickity-split. This year we had a case of "happy tail" (whacking his long tail against something too hard and it splitting open). We had to have 4 inches of tail removed and once again the claim was handled quickly and easily. Just as with human insurance, you pay every month and wonder why. But when you need it, it's good to know it's there.