Embrace | Pet Insurance Review

We have been using Embrace for years! Most recently Molly, my boxer was diagnosed with a small mast cell tumor. It involved several visits to our vet, a veterinary oncologist, and major surgery. Embrace pre approved the surgery, so when it was time for the procedure, we knew it would be covered. Embrace staff was with us all the way!

We got off to a bumpy start with a claim denied, which would have counted toward the deductible. It was denied as pre-existing condition and denied again on appeal. That was several years ago and fortunately, they were wrong, it was not a pre-existing or permanent condition and he hasn't had it since. After that the only problems that I have had are issues with Wellness vs Accident/Illness. The Wellness is an additional coverage that is really kind of like a health care savings account that covers things like Rx food and other things not covered by the usual insurance. You don't have to get it when you purchase the insurance for accident & illness which is the most important to have. It was 9 months after I had insurance that my cat was diagnosed with CKD which is a progressive disease. I chose to have stem cell therapy which was not covered for CKD by any insurance that I knew of. It was my choice to do it to improve his outcome. The vet at the time told me that it saved his life as it was progressing rapidly. It improved but two years later he got pancreatitis and IBD which frequently accompanies pancreatitis. The exams, frequent blood work to monitor his condition and even acupuncture is covered by Embrace. I call it Kitty Medicare because I chose the 80/20 plan. I strongly recommend every pet owner buy insurance for their pets and certainly by the time they are eight or nine it is essential and could make the difference in you being able to provide medical care for your pet or not. Emergency care is extremely expensive and one visit to the Animal ER will can make up for years of premiums. I researched the various companies before I purchased and compared them for a couple of months before deciding on Embrace. The Embrace staff get back to you within a day when you contact them and are helpful. The only other issue I have with Embrace is that my invoices are for pretty much the same things; exams, medicine, labs, acupuncture and each invoice is treated as a distinct claim (I usually file a couple together) and it's as if it is the first claim and the adjusters are starting from scratch. It takes about two weeks for the claim to be paid even if you have 2 for the exact same treatment for the exact same condition. Sometimes longer if they contact the vet for additional information. I know pet owners with other insurance and Embrace is one of the best.

The efficient Customer Care, implemented by Embrace was truly appreciated!! Their consistent professionalism was continuously exchanged towards my questions and concerns to my appeal. The companies right to diligently review an appeal was performed with exemplary Customer Care.

My dog needed a procedure that was going to cost well over $1000. I called and talked to a wonderful woman who suggested that I get prior approval on the procedure so I would know how much out of pocket actually would be. They got that completed for me in one day and gave me the amount for the 80% coverage I have with them so I could start making arrangements to handle the payment up front. I sent the claim the day after her procedure, and they had a check to me within two weeks, so I ended up with no interest on my credit card. Thanks So much.

Embrace Pet Insurance is amazingly easy to work with: easy to file a claim, easy to check on the claim, and quick to process it. It was also easy to iron out a few paperwork wrinkles with the Embrace staff (the few times I've had to do it) -- just simply reply to an email to clarify, and they take care of the rest. Embrace is affordable; we've ensured multiple dogs for many years now at what I feel like is a low cost, given that dogs are obviously the best thing on Earth. While the younger dogs don't often meet their annual deductible, the very very best thing about Embrace is that if they do -- the financial worry is taken out of the equation. My geriatric soulmate dog was ensured by Embrace for many years of her life, and as she deteriorated in her 14th year with disk disease and renal failure, it was so incredibly comforting knowing that Embrace would cover our vet visits, including consults. It was difficult enough to face her end-of-life care, and not having to worry one second about finances it made an incredibly stressful situation way less stressful. Thanks, Embrace!