Embrace | Pet Insurance Review

I decided to insure my new puppy as soon as I adopted her. My last golden had many health issues and my thinking was that if I had pet insurance, according to Murphy's Law, I wouldn't need it. Boy was I wrong. My puppy became very sick at 2 & 1/2 months. Embrace covered 80% of approved charges after my deductible was paid. They were prompt and kept me up-dated as my claim went through their system. I chose Embrace because they covered many types of treatment provided by my holistic vet which conventional vets do not provide. This type of coverage was probably the deciding factor in choosing Embrace.

Easy to know what you are getting when you sign for your policy. I received my refund in about 2-3 weeks after I filed the claim. Website is great/easy to use!

Well I feel like I have been getting most of my money's worth from this insurance I have. I can't say what I personally pay as the price is different for every type and breed of pet you have. This here is for my Russian Siberian kitten, what I can talk about is the wellness rewards which is a max of $650.00 that you can get back in return within 12 months for your pet. It does cover pretty much 80% of what it says and I will rate that a 8 out of 10 because an antibiotic which is a medication that is pretty much "METRONIDAZOLE Compound" that should have been 100% refunded under the wellness rewards was indeed NOT refunded and instead went towards my $200.00 yearly deductible. My cat ate something he shouldn't have and got sick from his stomach and had Diarrhea and a little bit of blood from his anus being sore from the constant Pooping. I got him tested at my local vet that I take my chinchilla to and he was found NEGATIVE for worms or any kind of parasites. Anyways, his prescription food was Covered though so that's good and saved me $50.00. His first initial pet visit was free for me at my vet but it is also a covered and 100% refundable service under the (wellness rewards terms and conditions) over all i would still recommend them as insurance is important for a pet just as much as it is for humans to have. The only thing I really dislike about this kind of insurance is the fact that you have to pay for everything out of pocket first before you can get any kind of coverage. So should my cat ever break his paw and I don't exactly have all the money to pay for his, any vet or pet hoslital would most likely deny me service if I can't pay them on the spot even with insurance. As you may know, this insurance requires you to pay the vet in full and then you send the receipt/invoice by email to them. They then take about 15 days to 1 month to send you a check if it's a standard covered wellness visit but may take up to 2 months if it's a injury or illness as they have to investigate what happened and see if its an actual covered ingury or illness. Also make sure that your pet is 100% healthy BEFORE you obtain insurance because if he or she is slightly underweight by a few ounces, they will use that against you for the whole 12 months as a "Pre Existing Condition" just like they did with my kitten for being about 5 or 6 oz under weight from the breeder i got him from. I was very upset with the breeder as my Siberian was $1,300.00 USD you would think she could have at least Fed him well. For that reason some of my stuff has not been covered under the wellness or regular insurance. So just take that as my point of view. I am Not sure if I'll continue with embrace after the year. I might just try out my vet and their own insurance next as all the wellness visits are at no out of pocket cost as long as you pay your monthly premium vs embrace where you have to pay out of pocket first and then send your invoice and wait for a check if you are covered under their guide lines. Just my honest thoughts on all this. So number 1. Make sure your pet is healthy prior to obtaining insurance so that your pet can be 100% covered from any illness or injury it causes it self. 2. Have a separate credit card with at least $5,000 specifically for your per should he or she need such an expense so you won't look like a Neglectful pet owner to your local pet hospital. 3. Keep your pet out of trouble and make sure your house is clean so he oe she wont eat anything they are not supposed to eat. And that's pretty much it.

It is nice to have the peace of mind knowing that expensive medical care for your pet is obtainable with little out of pocket money because Embrace is there to help. The cost of the insurance is reasonable compared to the benefits it offers for medical expenses.

Embrace has been very timely in responding to insurance requests for my pet.