Embrace | Pet Insurance Review

Hi, I've been happy with Embrace--I've had my two cats covered for 8 years. My experience thus far was that the first claim was accidentally rejected but then covered by them once I called. Since then everything covered within the policy has been covered at the 80% level. What I don't like is that you have to pre-pay everything, and what I REALLY don't like is that you can't call in to pay the annual premium, the only option is an auto-deduct payment system. As the cats age it gets more expensive and this is ridiculous! I hope they can fix this and also lower costs overall as more people opt for pet insurance. Also I think that dental should be covered within the basic plan--what is more basic than dental care?! I feel the same way about insurance for humans--it should cover dental without extra cost!

This is our first year with Embrace, having switched over from VPI. We could not be happier with their response time, coverage and ease with the claims process. We will be sticking with Embrace for our future pet insurance.

Great customer service. Very compassionate, thorough, and articulate. They are on top of things. Top rated pet insurance. Highly Recommend

I have used Embrace for the last 6 years and have nothing but great things to say about them. The claims process is very easy, the claims are paid promptly and they have a terrific option of depositing the payment directly into your checking account. In addition, they seem to genuinely care about the health of your pet. I wouldn't have a pet without one of their policies.

We have had Embrace for over 2 years, and this year in February we noticed our big dog Fred was limping and having trouble walking. We took him to the vet who was worried about his hips and took x-rays, we found out that he had a torn ACL. So I immediately called embrace for assistance with submitting the claim and discussing the coverage for my pup. During my first call to embrace I was in tears, I was concerned about my dog being in pain as well as the financial stress this would put on our family. When I spoke with embrace they were helpful, the representative showed empathy for my situation and even shared a similar experience she had with her pup, I got all of the information necessary to submit the claim and submitted my first claim. A few days later I even received an email from the representative checking on me and Fred and making sure I was able to submit the claim! We set up an appointment for the TPLO surgery and when they did his pre-surgery blood work they found a high level of lymphocytes in his blood which can be a sign of cancer. Again I called embrace and the representatives were helpful, they answered all of my questions and helped me through while I was in tears worried about my pup! Our family has been dealing with vets and submitting claims every few weeks as we have been working with internal medicine and oncology. We finally have a confirmed diagnosis of Chronic Lymphocytic Leukemia and will begin oral chemo therapy next week! Customer service 10+ they are always friendly, happy to help and able to seamlessly express empathy and understanding because they do truly care and they are pet lovers! Claim submission/approval and reimbursement 10+ the claims process is quick and so easy that I usually do it on my phone while I am at the vets office! They keep you updated on the process and thoroughly explain the coverage. I cannot explain how thankful I am for this coverage and for the help and support Embrace has provided! I have told everyone I know with pets to contact Embrace because I know without the coverage they have provided I would be unable to provide the best care for my big pup with everything going on!