Embrace | Pet Insurance Review

I've submitted 6 claims with Embrace in the past 12 months. They have honored and reimbursed my veterinarian claims all six times...nice piece of mind your animal is always completely covered.

So happy I choose Embrace for my kitties. Sasha suffered from kidney failure early this year. Thank God for the good treatment and for Embrace covering it. The whole process : submitting claim , processing time, payment is smooth.I ve never had problems being reimursed. THANK YOU EMBRACE !

Embrace has helped me and my doggo focus on the important things in life, such as cuddling and playing. Embrace makes paperwork simple and they offer extremely affordable coverage. Also, their customer service representatives are very quick to respond and strive to create an individualized experience. When i first adopted Ryder, i would have never imagined him having a serious medical issue. Without Embrace, I would have never been able to afford his overnight visits to the emergency hospital and any vet visits due to the bouts of acute pancreatitis he suffered from. And this is why i say choosing Embrace is a no brained, without them, Ryder wouldn't be here today.

Very nice company to work with. Easy to submit claims. I need to call regarding a part of my claim that was not covered,and they re-processed it very fast. Peter was very nice to work with.

I've had Embrace insurance on my dogs for 3 years now. A high deductible plan for if/when something major happened. So this was my first time to actually use it. This spring, my 8 y/o Border Collie developed a hyper extension injury in her wrist. After a couple months of conservative treatment, there was no improvement and my vet referred me to a specialist who ultimately recommended orthopedic surgery. I went ahead with the surgery and I submitted the claim form and itemized bill a day later. I had a couple questions that were promptly answered with phone calls and I had to resubmit one page of the bill as I had inadvertently cut off some information in the photo that I uploaded. I received an email 9 days later that my claim was being paid - well within the time frame given on the site. I appreciate how straightforward the process. My dog had no pre-existing conditions at the time she was first insured and everything was covered as expected (total bill minus the deductible and copay of course). I had opted for the prescription drug coverage so the meds she came home with for recovery were covered as well. The cost of insuring my dogs is something that I definitely need to budget for to be able to afford. But I will continue to keep them insured with Embrace as long as they provide this level of service. I'll also add that I appreciate the multipet discount and the discount for paying in full for a year at a time.