Embrace | Pet Insurance Review

We signed up with Embrace last summer because my research showed that the company was the closest I could find to true "Major Medical" insurance for our Golden Retriever. Then in November our pet showed up with a good sized tumor on her neck. Surgery successfully removed the tumor. I paid the veterinarian's bill and submitted my claim to Embrace. They acknowledged my claim immediately, and after receiving the additional required documentation from our veterinarians, sent me a check (after deductible)for over 50% of the total cost. The total elapsed time was only two weeks! Now that's what I'd call exceptional service by an insurance company. Embrace has not only met, but has exceeded my expectations!

We found Embrace to be very prompt in making sure the claim was processed as quickly as possible. And they are always available to answer a question and explain things. This was very appreciative.

We got insurance for our puppy after she swollowed an earring and had to get emergency surgery. And thank goodness we did cuz we had to get her into surgery again for a genetic liver shunt and when i sent in the claim, customer service kept me updated and even when i missed some paperwork they did the calling for you. So far i am very happy that i chose to go with embrace.

The continual communication is fantastic. They are top of the line in keeping in touch once a claim has been initiated. I didn't read closely enough and didn't get as much out of my first clainm as I could have - not their fault! it was all there; I justmissed it. That's why I noted in the One-line Summary to read your policy. There are two different parts they pay on: Wellness and Illness. One you need to get a physical within the 14 day waiting period; one you just need vet records. I didn't "get" that. So, when I needed coverage for a claim that was covered for both situations, I qualified for one but not the other. Embrace was wonderful, though, as any other pet insurance company would have just used it as a way to get out of paying anything on the claim. They contacted me, told me what had happened and why they couldn't cover one part but also that they were going to split the claims apart so I could get reimbursed for the part I did qualify to receive a benefit. That was amazing! I faxed the information they needed to complete the process and received my check, even with all the confusion of coverage, in three weeks from my vet visit. They really are better than all the rest.

I have covered my dog with insurance from Embrace for a year and a half now and submitted my first Wellness claim - they communicated with me throughout the process and I received the check prompty.