Embrace | Pet Insurance Review

We've been dealing with a serious, chronic condition for the last year and Embrace's handling of the claims could not be easier!! For example, another routine cancer check resulted in a very large bill on a Friday. The hospital submitted the bill to Embrace later that day and I had the EOB the following Friday. All covered. No questions asked. And this was over a holiday weekend too! I can't thank Embrace enough for giving me one less thing to worry about so I can put that extra worry towards my dog :)

My dog was diagnosed with severe osteoarthritis in both shoulders and bony growths in his left shoulder. Even though he was past the six-month orthopedic waiting period, I am glad that I chose to make an appointment and have my vet fill out the Orthopedic Report Card (decreases wait period to two weeks), because this is a chronic and lifetime condition. I would have really been kicking myself if I did not, because he is only seven years old, I would never have guessed he would get such severe arthritis so young. I say be safe and do the report card. Filing this claim was really confusing to me, because the suspected problem turned out not to be the problem after the radiographs were read by a professional. Do I submit the claim form for the suspected diagnosis plus the one for the final diagnosis? (No) I went back just for a medication refill, does the vet have to fill out a claim form every time I need meds? (No, but a claim form is still needed). I decided to call Embrace about this. The CSR was SO helpful and when I had questions related to the illness coverage, she checked with a claims adjuster before answering, she wanted to be 100% sure. I really appreciated that. Uploading the claims on the website is how I chose to submit my documents. Super easy, easy instructions, simple and fast to do. I give high marks to Embrace Pet Insurance.

When I had to take my 2-½ year old Great Dane to the vet for vomiting and lathargy, they referred us to a specialist for more extensive testing. Needless to say, the bills added up quickly. Embrace paid all but 20% and a small $100 deductible within two weeks. I am very happy I decided to go with them rather than another Very Popular Insurance I previously had for my other Great Danes. This other Very Popular Insurance was always finding reasons to not pay claims. Thank you Embrace for putting my mind at ease and letting me focus on the care of my beloved pet.

So easy to make a claim online. The Embrace portal gives you simple instructions, and your vet can mail/fax the documents at check-out. We received our reimbursement in a timely fashion, and the employees we spoke to via email were extremely friendly. Very happy with the service!

My experience has only been positive. Claims are covered in a timely manner. Friends have told me that other pet insurance companies have many rules that disqualify many of their claims. My dog has had a lot of vet visits, including surgery this year, and Embrace has covered 90 percent of everything once I met my deductible. I fully recommend Embrace pet insurance.