Embrace | Pet Insurance Review

I don't know why, but we had never purchased health insurance with our previous 5 dogs. When we adopted this dog, Embrace was recommended as one of the best by our vet's office. Now we know why. Right away we had to submit a couple of claims for some minor problems. The process is very easy and the checks came right away. Embrace is excellent about maintaining communication with us.

OK - pet insurance, ... seriously ... we need that? I never gave it much thought before. But, wanting the best for our dog in case something happened, I signed her up with EMBRACE ($200/80%) last December. I chose EMBRACE because their coverage was somewhat better than that of the competition, at a slightly lower price. I had no previous experience with this industry whatsoever. And just three months into the policy, our Golden Retriever ("Joy", 7 years old) fell sick with a severe gastroenteritis and possible lower GI tract obstruction (X-Rays and first medication by her regular vet). To make a long story short, by the time we rushed her to the Veterinarian Emergency Hospital, surgery and hospitalization were unavoidable - as was the $4,800 bill that came with it. However, while at the hospital, the hospital's staff told me, that some of them had their own pets insured by EMBRACE and that this carrier had a good reputation for claims management. Well, I hoped the best and prepared for the worst. The claim forms were emailed and faxed to EMBRACE on a Monday. By Tuesday at noon I had several return mails confirming that they were working on it and on Friday (4 days turnaround), I had confirmation that all of the $4,800 in procedures were covered and the checks were mailed out. WOW - what can I say? I did not expect that to happen this quickly. I am very happy with the way EMBRACE handled my claims and the turnaround time. They kept 100% of the promises they made in their advertising, their website and their policy terms. Thank you for NOT making me jump through hoops and covering a situation that was traumatic enough, even without the financial aspect of it. I am very happy and can now say: "Yes, you need pet insurance!" And my experience with EMBRACE has been nothing but outstanding. I am glad I made the right choice.

Our dog accidentally hurt his back and ended up needing back surgery. We had bought pet insurance for the first time about 6 months ago. Thank goodness! Embrace did a great job processing our claim . I highly recommend this pet insurance .

When we were seeking insurance coverage for our dog, we were given the name of Embrace by a family member who also has coverage through them. The premium is affordable, and coverage is good to great. Recently, our dog broke her leg in an accident and required surgery. It was the first and only claim we made with Embrace. I called to see if the services would be covered, and was given an answer of most likely (they still had to review chart notes, but coverage was likely). This customer service representative emailed us on the day of my dogs surgery to ask how she was doing. That was great customer service and something totally unexpected. It took a while for our vet to send in the claim, and it took a little while for Embrace to review it - only because they were requesting records. A quick phone call resolved the records issue (they, in error, were waiting on vaccine records from the vet her breeder used before she came home to live with us). Within 24 hours of the phone call, it seemed like our claim was processed, the check arrived shortly and it cleared within 24 hours at the bank. Having insurance for our dog was the smartest thing we have done for our dog (other than good vet care and good nutrition!). Embrace was a smart choice and well worth it.

I have been so pleased with the ease of filing claims and how quickly they cover the claim. My dog has horrible environmental allergies, that started when she was a puppy. Embrace has covered her dermatologist visit and even her acupuncture (which helps her tremendously). Other than the initial filing of the first claim, they have been so easy to work with. It feels almost too good to be true! Also, everyone I have ever spoken with at Customer Service has been extremely friendly. It's a nice change of pace to deal with a company like this.