Embrace | Pet Insurance Review

I am very disappointed. Both of my 11 yr old cats are new to Embrace. In total it costs me 540+ dollars to cover them for a year. As they are older, you would not allow their illnesses to be covered. It would have been more economical to use that money to directly pay out of pocket vet bills than to pay for both the insurance and the vet bills. I think initially, you had false advertising...and I was mislead. I certainly am not going to get your insurance next year.

I've submitted several claims (the oldest dating back to late August, more than 5 weeks ago) and have yet to receive resolution on any of them. They did not make good on their promise of a 15-day response and they have not been very communicative. Each time I inquire about the status of the claims I hear that they are very busy, they're sorry, etc. I chose Embrace largely due to the positive reviews I saw on this site. I have yet to see anything to support those reviews.

Embrace had been such a blessing to our family. We own an english bulldog, should I say more? Our dog was born with a congenital disorder. If we didn't have Embrace we wouldn't of been able to give him a second chance at life. We appreciate the caring staff and there professionalism. We will always use Embrace for all of our future pets. You just never know when you'll need it.

Embrace's claim process is easy and fast! I was impressed by the easy of submitting a claim and the amount of communication regarding my claim. Everything I read about Embrace before coming a customer is true!

It has been an incredible experience to deal with Embrace over the last few months. Our 15 month old Golden Retriever was diagnosed with bilateral elbow displasha that required surgery. Both our vet and orthopedic specialist were doubtful about the condition be covered through insurance as it is commonly viewed as genetic. We got the treatment pre-certified and after paying our $200 deductible and 10% copay Embrace has covered the rest. In our first year with them they have reimbursed us for close to $4000 in vet bills. They have always been professional and friendly on the phone and the email communication is superb (emails to keep us updated on the claims process and emails after approval to confirm that we received our reimbursement). I recommend Embrace to everyone I know and come across with a dog. If only my medical insurance was this easy and straight forward!