Embrace | Pet Insurance Review

Having researched and reviewed other pet insurance plans I knew Embrace was a perfect match for me and my two Newfoundlands.I purchased the plan that best fit our needs and dropped the other pet insurance company because of their terms. From my first contact to Embrace to the present,I have dealt with pleasant and professional people in a prompt manner.I have recommended it to all of our Newfie and non newfie friends.I am so pleased and will continue to speard the good word about Embrace because I truely believe that they care about the well being of our fury family members through their actions.

For years I had no trust in pet insurance. It was too new and from everything I had heard from pet owners I knew who had insurance of any kind they always said it never paid properly. When I lost my two dogs that I had had for 9 years and got a new dog, I decided to at least review the pet insurances. I literally read each and every review from each pet insruance agency online. Embrace by far was the very best insurance company out there from the reviews that I read. I decided to give them a shot. Well, I submitted my first claim and was very pleasently surpised when in fact my claim was not only received and responded to in a very timely manner but Embrace paid off every penny I was owed back in an extremely timely manner as well. Needless to say I am extremely pleased with Embrace and their customer service is outstanding as well.

Embrace has completely denied claims for totally unrelated allergies that my dog has had, because they treat ALL allergies as being the same. Even when my vet called them to explain that the past allergies and the new one were completely unrelated (sort of like the difference between having hay fever versus being allergic to onions), Embrace still said no. Then when my dog had a yeast infection in her ear, they denied the claim saying that "Allergies increase the risk of secondary skin and ear infections and is the reason we cannot provide coverage for the claim". Wow!! Buyer beware!!! It appears that Embrace will do whatever they can to deny claims. I was really hopeful, but now I am most disappointed.

As an insurance-free pet owner for many years, I worried that purchasing policies for my Cavalier puppy and 7-year-old cat would turn out to be a waste of money. I couldn't have been more wrong: They have paid for themselves many times over due to a few emergencies I certainly hope will not be repeated. When you're in the already horrible, scary position of having to treat a sick pet, it is such an enormous comfort and relief to know that price does not have to be a primary factor. (Because let's face it: Most of us will do whatever is necessary to save and care for our animals, regardless of cost.) Best of all, every single interaction with Embrace has been an absolute pleasure: The staff is courteous, professional and kind. I couldn't be more pleased with the overall experience. I hope I won't need to use it again, but I'm so glad that it's there.

Everything can be sent via fax or e-mail - so convenient, compared to regular mail. We submitted wellness and illness on the same receipt - Embrace sorted it out for us, with just a request for the illness claim form. We then had many receipts, because our girl dog had emergency surgery for a perforated intestine, peritonitis and sepsis, and lymphoma. We could barely keep the receipts straight (let alone worry about insurance claims when our dog was so ill). Embrace sent e-mails to notify that they received the claim. Then they sent e-mails to update that the claims were being processed. Then they sent the reimbursement e-mail, with detailed explanation of payment, and a running total. This was far easier than human medical insurance claims. The direct deposit option is outstanding - complete turnaround for claim review and deposit was under two weeks, so we could pay the credit card in the same billing cycle. We are so grateful for the exceptional service, and caring human beings. My vet had the Embrace flyer, which is how I learned about you.