Embrace | Pet Insurance Review

Recently, I had four cats hospitalized at the local Specialty Hospital for the best part of a week for vomiting, diarrhea and lethargy; two were over $7000- and the other two were $3000- plus. We had $1000- deductible + 90% reimbursement. Within two weeks, we were reimbursed $15,000. I have never had any problem with Embrace (these not being my first claims) and I would never consider going anywhere else for pet insurance. I see someone whose animal had breathing problems is upset that their dog wasn't covered when the vet had mentioned coughing at an earlier visit, but to be fair, you couldn't expect that to be covered. Obviously, the coughing was in the previous 12mos because Embrace only asks for 12 months of records prior to start of insurance coverage, so it was relatively recent and "breathing problems" and "coughing" are definitely related to similar conditions like asthma. I have cats who have inflammatory bowel disease, if they had weight loss and I couldn't prove the weight loss was due to another condition "unrelated" like diabetes, then that wouldn't be covered either and I wouldn't expect it to be covered. Of course, if there was weight loss in a prior exam and you weren't diagnosed with a pre-existing condition and your pet had maintained weight since, then at worst it would be temporary. If you have a medical review which is an option, they will tell you if a pre-existing condition is temporary or permanent. Coughing may be temporary unless the coughing or related issues such as breathing difficulties recurs in the next 12 months and if it does, it then becomes permanent. I think if you're honest with yourself, then Embrace is upfront and doesn't try to prevent you from receiving monies you're legitimately entitled to. When I first got pet insurance through Embrace, it was a trial and I didn't have a positive attitude toward insurance companies, but now I'm telling the Specialty Hospital and my regular veterinarian that I would recommend Embrace to anyone without hesitation. They have gone way beyond any expectations I could have had and the service and caring from Embrace is to be commended.

I am very satisfied with my last interaction with Embrace. They sent the claim checks at the full policy amount promptly and it was very easy and smooth. A couple years ago there was a lot longer of a delay to receive my reimbursement, so the service has greatly improved from my experience.

I had doubts how Embrace would work with pet illness. I have two dogs that both needed vet treatments this year. (One rescue had heartworm positive) and another had a scrotal hernia and natural herbal formulas for his aching, older back. Embrace has to date paid all the bills for the dogs. I am very pleasantly impressed with their help when I started filing the claims, to the email communication that they received the claims, to sending us a check. Overall, I will always have pet insurance. It's worth it when you have those emergencies that a pet owner just can't plan or budget for.

The quick response and professionalism of the Embrace team has been a breath of fresh air. I wish other companies could follow their lead.

Very glad this was covered. Honestly I wasn't sure. Regardless, your company employees are so nice and get right on a situation. None of "well we will look into it and call you back stuff." They are so helpful, polite and always make me feel as though I am their only customer.Still waiting on the other two claims. Hoping, but not sure about one of them. I love having a wellness policy too. I should have got a larger one, my fault, but what I have is a big help for sure.