Embrace | Pet Insurance Review

Experienced slow pay on claims.

I may have already responded--massive improvement -- you went from an anonymous system that never worked to personal attention from real people with knowledge. one of the best out there. Especially Sammi Tuckerman.

Rosie, our lab mix, is almost 4. We have insured her with Embrace for about 3 years, just in case she suffered a sports injury as she LOVES to run. Recently she began to favor her left rear leg so I took her to the vet. We discovered that yes indeed, she had torn her ACL. Embrace covered 80% of my costs of a visit to the specialist and the subsequent surgery. I also discovered that I had a $100 Healthy Pet credit that applied toward the $200 deductible. I am more than satisfied, as stated in the title. I am recommending Embrace to all my pet-owning friends!

Mars was the typical 15 month old Airedale pup...full of play, mischief and quite the sense of humor. One day, while joining me on the couch, his bag legs just crumbled beneath him. I rushed him to the vet and was referred to an orthopedic surgeon. It was there that he was diagnosed with medial patella reluxation, a condition more common in small dogs per the surgeon. Embrace guided me through their process of approval of surgery, approved it and covered the procedure, I am so grateful , and though Mars is halfway through his rehab, he is expected to pick up where he left off which includes playing with his four siblings who live nearby. Thank you, Embrace

We never purchased pet insurance for our dogs because we'd heard stories of everything being "excluded" and any reimbursement being based on artificially low cost tables. We decided to try out Embrace after adopting our English Bully Rocco. Without going into all the details, my experience with Embrace has been nothing short of excellent. Claim submission is seamless. I made one follow-up call and was immediately connected with a very friendly rep who clarified one item (one of the vet bills was in my GF's name because she had brought Rocco in that day), and told me it will be processed right away. A few days later, I received notification that all claims were approved -- and the reimbursement was exactly 80% of the billed amounts (after the deductible, which I expected). Not 80% of some 'usual and customary' amount that's totally unrealistic. I cannot say enough about Embrace. They get it. We all love our dogs (and animals), so no one wants to put a price on whether to give them the treatment they need and deserve. I only wish my own health insurance company was this good!