Embrace | Pet Insurance Review

Embrace, what would we do without you and your amazingly patient and empathetic staff?! No matter what the issue the response time is usually 3-5 business days and you have your claim response.

My dog has had vaginitis for the past month or so. It has not responded to antibiotics, so my Vet. recommended a cytology plus a culture and sensitivity. From what I can tell, the claim has been denied and has been labeled as a "Wellness" visit. This was not a Wellness visit - this was to determine why my dog has pus coming out of her vulva. My dog also drops to the ground after short vigorous exercise. Again, not normal that an otherwise healthy 2 year old dog would be exhibiting this behavior. My Vet. sent in a test to determine if she has a condition caused by a defective gene. This claim is either under review or has been denied under the "Wellness" label. I can't tell which because both claims have a date of service of 8-22-17. Neither of the 2 Vet. visits occurred on this date. I'm assuming this is the date the claims were sent in. Every single claim has had an incorrect date of service. This makes it difficult to know which claim is which. I'm starting to get a little stressed out about this because my credit card payment is due. I purchased insurance for my current dog because my last dog cost me a fortune. I am understandably upset that my dog is having all these health issues at 2 years of age, but at least I knew I had the insurance and wouldn't have to worry about how to pay for everything. Now that doesn't seem to be the case. So know I'm going to have to start making phone calls - again. I'm not sure how I feel about Embrace insurance right now. I think I'd still recommend it, but probably not as strongly as before.

We are extremely happy with our results from our claims. Results after a routine blood test done annually by our Vet alerted us her liver needed checking out. After more tests and xrays our Vet put her on supplements and prescription dog for liver. After 4 months her liver count is back to normal. She just needs to stay on the prescription dog food. I collected my receipts, took the claim form to my Vet to fill out and mailed them to Embrace. They sent a email informing us they received the claim. A few weeks later we got an email stating our claim was completed. I logged into Embrace and everything was listed. It was very through and easy to understand. So happy with our refund and Embrace.

It is so worth it getting pet insurance from Embrace. I am very pleased with them. Embrace rocks! Thank you!

Embrace made it easy for me in an unexpected, difficult time for my maltese illness. There was many anxious times when I didn't know what to do and I'm grateful.