Embrace | Pet Insurance Review

Embrace recently responded in the expected time, particularly with reference to the many continued and unexpected visits for the same ailment that my pet appeared to be suffering from. We were with another insurance company for 15 years. The returns were OK, but not extensive. After 15 years, it came time for our two senior pet companions to leave us for doggy heaven. Before interviewing new breeders, we decided to first shop around for another insurance company, just to see what was out there after 15 years with 1 company. We selected Embrace because of the great reviews & the level of coverage offered. We are currently extremely happy with Embrace. However, I would like to share that it was a bit more complicated to get started with this provider, than it had been with our previous provider, in part possibly due to additional health certification requirements required for each pet. In addition, at policy onset, there appeared to be some level of mixing-up our 2 new pets after we registered last year. (i.e. one had a hernia & one did not). The other element that may have confused the entire online system is that we visited our Vet directly from the breeder with both pets, for a no/charge health check for the breeder. The visit took place one day before the effective date of our Embrace policy. We turned in the paperwork to Embrace for the good of the order, and did not file a claim, nor did we ever intend to. We simply thought Embrace should have all paperwork from our Vet, for their records. In hindsight, this tiny detail may have confused the heck out of either the system or the claims representatives, because we began receiving automatic-response emails stating that the claim was outside of policy period & therefore not covered. Well, we were certainly aware that the initial paperwork we sent would not be covered, but maybe the rep on the other end of the email overlooked that tiny detail in the body of our email, and thought it was a claim. Thus what ensued initially was considerable back-and-forth-email-communication for over 2 months. Needless to say, we were not at all happy with the level of comprehension, especially with automatic-email replies, or with the long response time it was taking to clear up the matter. We thought that it could have been a failure to comprehend systems on our part, not realizing that systems generally cough up items received outside of their of established guidelines. So within that 2 month period, we bega

Just started our pet insurance with embrace and it has paid off already. We have a very clumsy puppy and have already exceeded our deductible. I have already recieved 2 checks from them for two different claims.

I have two cats and a dog insured with embrace for approximately two years, and they have been wonderful. I'm notified when they receive my claim and if any steps are taken in the processing of the claim. Reimbursement has been consistent and timely. Great customer service.

This is our first experience with pet insurance. I signed our dog up when we adopted her at a year old. She is now almost four and developed melanoma. I went to all the doctor appointments and did what I normally would have done even if I didn't have insurance. I was skeptical that they would pay what they said but I sent in the invoices anyway. Lo and behold, they paid their portion after our deductible and copay was met! I was pleasantly suprised! I have been recommending them even before I had to file a claim because they were so responsive to my questions when we signed up. Now I will recommend them full heartedly with no hesitation. Every time I call Embrace customer service I love having a pleasant friendly person on the other end of the phone. I really value and appreciate customer service as well as a no hassle insurance company that you can understand the process. I submitted the documents online and it couldn't have been more easy. I called to set up the direct deposit and they sent an email making sure I received the deposit in my account. What other company do you know that follows up with you to make sure you get your money? None that I know. I am very happy with Embrace.

I've simply had the best experience with the folks who work at embrace. I'm new to the whole pet insurance thing, and their system and website is so streamlined, simple, and clear. I wanted to make sure my dog was covered, but the last thing I wanted was one more hassle to deal with. Embrace is the opposite of that. And whenever I've had one of my many questions about how things work and how to navigate the system, I've spoken directly with a very helpful, friendly person. They also answer emails almost immediately.