Embrace | Pet Insurance Review

Customer Service is professional and knowledgeable. My 12 year old Chihuahua has not had any medical issues until recently. Embrace customer service was very helpful in answering my questions on completing the claim forms which was painless. My dog spent 3 days on IV fluids, several appointments before and after and a large portion of the costs were covered. I also submitted several months worth of invoices and the reimbursements came quickly. I would highly recommend Embrace Pet Insurance over any others.

Embrace insurance is a valuable plan if you have pets. They are swift in processing claims and having the refund direct deposited into my account is so convenient. They are a lifesaver!

As I saw on other reviews, Embrace tries to find anything so that they can exclude a future claim. My dog's records say her weight is ideal at 18 pounds for a schnauzer/poodle mix. She is awesome and looks awesome! But due to a mistake when Banfield read her past record as 21 pounds, they are excluding her for "overweight." She was never 21 pounds, proven when we weighed her immediately upon taking her from the shelter, which she looked so very skinny then. A vet weighed her too said ideal weight, and just one month later on her record she weighed in at 18 pounds, and on the second record the Banfield vet wrote overweight once because he thought the weight from the shelter was correct, when it was proven to be incorrect. Of course Embrace will exclude her from any future issues related to the overweight dog theory. I say theory because anyone knows by looking at her weight and the exam that Embrace required that she is normal (ideal) weight at 18 pounds. They also excluded her for protein in her urine and all related conditions, when the most sensitive test showed she had perfectly functioning kidneys, and was free and clear of this on her last test--the vet saying it may be related to being outside in the heat and having her test in the afternoon, needing more water which the vet did not give her in the last office. It's right in the record. Then they say this sweet dog suffers from aggression even though no behaviorist officially diagnosed her as such. The dog, like any dog given away by her parents, was frightened yes when I first got her. But she walks up to people when she is out in the park, greets them, sits, turns for them to pet her. I talked to the behaviorist about things she protests like grinding of the paws, and she said aggression is far too often over diagnosed. She was not aggressive. Then embrace asked me to get a letter from the doctor to prove what they interpreted is wrong. I have had to work harder than ever previously getting her perfect exam done that they required, including orthopedic exam, and refused to do any more work for them. Besides I saw a review that they don't go by the letters anyway. This insurance waiting period says a certain time, but it is a year, and although the vet says the kidneys and urine are perfectly healthy, embrace makes their own assessment, saying in the future if she ever gets this, they will not pay. Buyer Beware!

Recently my French Bulldog, Sylas, came down with an undiagnosable sinus issue. After multiple oral therapies, the decision was made to put him through rigorous blood and tissue sampling, as well as, a sedated HRCT scan to try to figure out what was going on. After all said and done, Embrace covered 65% of the near $3,000 bill. I actually had thought they would not cover anything given this was not yet a surgery. That may still be warranted, but we'll cross that bridge when we come to it.

I'm trying not to be redundant but how do I not repeat all your other reviewers? Your claims process is simple, your customer service helpful and efficient, payments come quickly! Perhaps what is really so great about Embrace is that you sell a good product and follow through with exactly what you have promised! Rare these days! Thank you!