Embrace | Pet Insurance Review

I hesitated for quite awhile before getting pet insurance. Big mistake! It' s been wonderful. Embrace makes it easy and convenient.

Our 9yr old beagle was diagnosed with an osteosarcoma tumor in her mandible (lower jaw). Devastating news, but with the advice of numerous experts in the field, including two university veterinary schools, we learned of an advanced radiation treatment combined with chemotherapy that had the potential for a greatly increased life span. While there are no guarantees in a cancer fight, our stress levels were reduced knowing that a large portion of our bills would be covered by Embrace. The claims processing has been very smooth, especially with Katie at Embrace taking the lead to resolve any issues. With the proper substantiation from our medical providers, Embrace covered all of our claims without question. Very quick responses to all of our claims.

Ive wanted a pet insurance company for some time but never felt the juice was worth the squeeze. Embrace has already proven that they're the exception that proves the rule. Quick claim turnaround. Great support staff. I cannot say enough with how happy I am. I'm a customer for life.

Setting this insurance up for my fur children was a bit complex as Embrace wanted all prior records. I understand why, so I wasn't upset. The ease of filing a claim is great. I take the form in with me and have the vet sign it right as she does the exam. My vet doesn't really like insurance as she says she will have to increase her fees if she has to hire more office staff to complete the forms and fax prior records. This she can handle. She just has to write a quick note and sign. All I do is scan and email the claims to embrace (or the vet can fax it directly). Embrace acknowledges receipt within 24 hours and over 75% of my claims are complete within two days and the money goes directly to my bank, usually within 24 hours. When I signed up--puppy wellness insurance was not an option. I would highly recommend it and think the estimate of $700 is well in the ball park. We brought our newest baby home in late December and have spent $658 so far this year (includes spaying). It is now August and I will spend at least $100 more this year on wellness. Since we have three dogs I like the wellness benefit as I can budget what it will cost me into a monthly charge. I probably will increase the accident and illness coverage next year as I hear the costs are increasing dramatically. So far my one complaint is that my breed is not listed in the drop down list. Lagotto Romagnolo.

I recently got 2 puppies and when I previously had dogs always meant to get insurance but thought why pay for something that I won't hardly use. I wish I'd had insurance for all my pets in the past. Right now especially since both dogs are puppies it seems like we're at the vet every 3 or 4 weeks. Embrace has been great about covering any receipts I send in. I've even had to increase the coverage for 1 of my puppies due to the amount of vet visits & the I was able to do it with no issues. Easy to work with and takes the stress out of vet visits, who could ask for more??