Embrace | Pet Insurance Review

My dog's sudden illness was hard enough to handle without having to worry about complicated claim forms and customer service. Embrace took care of everything- even when my vet's office neglected to provide the documentation and complete the forms, I didn't have to spend my time making phone calls. Embrace sent me prompt emails letting me know what point in the process they were at, the info they were waiting for from the vet, when the claim was being processed, and when to expect the reimbursement check. I can't stress enough how happy I am with their service and thoroughness.

Embrace was recommended to me by my parents who has been using them for the past few years. I set up coverage for my 3 dogs about 4 months ago. One of my pit mixes stopped eating and was initially showing signs of abdominal pain along with intermittent vomiting. Over the course of 3 weeks we were back to the vet for various tests and treatments (including blood work, x-rays, and an ultrasound) until finally being referred to a surgeon for a possible foreign body obstruction. That ended up being the issue with the resulting surgery went extremely well. The claim submission process was so simple. Embrace covered all claims for all services and paid them out within the allotted time to do so. They even followed up to make sure we received payment timely. I am so happy to have gone with Embrace and strongly recommend getting coverage for your pets through them. Dealing with an accident/illness with your pet is stressful by itself, not having insurance to help offset the costs just adds to it. Knowing we were covered really helped us focus on our pet as opposed to the budget aspects.

Our "fur-kid" is a problem child but you'd never know it by the excellent and unwaivering service we receive from Embrace...Our claims are always handled quickly and completely, (even when I don't fill the form out correctly). Thank you Embrace folks for being so patient and courteous!

We bought a Great Dane puppy (because we're apparently nuts) and had done extensive research on the breed beforehand. One of the things that kept popping up was the significant health problems they can have. We had heard about pet health insurance but had never looked into it. I'm a huge comparison shopper so I went back and forth among the leading pet health insurance providers' web sites comparing, getting quotes, etc. and finally decided to go with Embrace even though they were relatively new. In the first two months of owning our Great Dane he had a severe case of roundworms, a bladder infection and gastroenteritis. We submitted all the bills ($511.82) within a short time period and waited to see what we'd get back. In reviewing the Explanation of Benefits, they covered almost everything and rightly did not cover a few minor items. After deducting our 20% copay (which we selected at signup) we received in relatively short order almost $200 back even after the $200 annual deductible (which of course we hadn't paid yet given we just got the dog). I am very pleased with the coverage and the cost (only $48 per month). Our experience has me sold on pet health insurance generally and on Embrace specifically. They are very communicative via email (I haven't tried to call). I recommend them.

We really did not shop around for pet insurance. Our breeder highly recommended this company and she's been in the breeding business for over 20 years. That was good enough for us. We've been very impressed with how easy the process has been and the customer service has been excellent! I wish my own medical insurance was this easy. The money we spent is well worth the peace of mind.