Embrace | Pet Insurance Review

It only took three days from the time the forms were sent from my veterinarian's clinic to the time the claim was reviewed by Embrace Pet Insurance Staff. They gave me timely progress reports, too. The staff was polite. I'd recommend any pet parent to check them out for their dog or cat's healthcare insurance needs.

My beagle is 7 years old and I have been with Embrace since we got her. Every year I pay the premium hoping that if and when she gets sick we will not have any issues with claims and payments. Until now Embrace has only had to pay a few minor claims which they did without any issue. This year we are in the middle of an illness with our dog and Embrace has not disappointed in any way. The respond quickly to claim submissions with an email and they pay very quickly as well. Embrace has not disappointed and I am very happy with their service and their staff is very professional as well. Great product!!!

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.