Embrace | Pet Insurance Review

Our Tucker recently had tie back surgery for laryngeal paralysis. Not only was the surgery covered at 80% after meeting our deductible, but his recent ER visits were covered due to aspirated pneumonia. We have received 3 reimbursement checks in a VERY TIMELY manner totaling over 3K. If Tucker needs further treatment – he is covered. This brings us peace of mind. When we visited the surgeon for the surgical consult I handed her the claim form while stating – We have pet insurance. She looked down and said, “Oh good, you have a plan that pays out more than many others.” I believe we have been with Embrace almost since their inception. One often wonders, “Are the yearly premiums worth it?” In our case, for Tucker, the answer is, YES. Our Shadow was also insured. I never wanted to begrudge my dogs treatment because we could not afford it. As many know – Goldens are prone to cancer. Embrace covers such treatment

I recently had a dermatological visit denied due to my boxer having a temporary exclusion of dermatological issues based on some ear crusting and scarring that was due to trauma noted while the policy was still in the 2-week waiting period. My regular vet submitted a letter of appeal as the recent skin issues are not related to the earlier ear issues and still the claim was denied. My vet offered to speak to the claims adjuster and the Embrace claims adjuster called my vet and they discussed the matter further. My vet was able to provide additional information that allowed the initial denial to be reversed and now his dermatological issues are now covered. My point is this-even if a claim is denied it is always best to speak to Embrace and find out the reasons why and you will find that Embrace representatives will work with you and help you if they can. Even if my claim ended up not being covered I would still recommend Embrace to everyone I know because they really do care about their policyholders. Be respectful and be patient with the process and you will find that this company and its representatives REALLY DO CARE.

I could not ask for better service or easier claim management.

Investing in pet insurance was one of the best decisions I've ever made, and going with Embrace was an even better one. Their process is easy, and they've made continual strides to make it even easier. You can check information online and email in claims instead of being confined to faces or snail mail. With a very few exceptions, my experience with their customoer care reps have been impeccable. You know how with human insurance companies you kind of feel like they're out to make money off you so they make things as confusing and roundabout as possible? Yeah, embrace doesn't do that. They're great about helping quickly and efficiently, and every claim I've ever made has been covered. I recommend them to other pet owners all the time!

While researching pet insurance companies, almost everyone had bad reviews. Most had very specific dollar amounts for each service. Living in Boston area I knew my bills would be more for my purebred puppy. So far, they have paid our the wellness visits within a week! Not sure when she gets sick as she hasn't been yet but they have impressed me. I had called customer service twice with questions. Both times very professional and answered well. I do recommend. May cost a little more but you get what you pay for!