Embrace | Pet Insurance Review

I never thought I'd ever have anything good to say about an insurance company, let alone those that insure our animals (because they know we're sitting ducks.) I wish this company insured people. I cannot believe how efficient they are and their willingness to actually pay claims well and without any hassles! Embrace: Please keep up the great work and thank you.

After a fairly routine TPLO (tibial plateau osteotomy) my Newfoundland became seriously ill-his platelets started to decline in number and he was diagnosed with Immune Mediated Thrombocytopenia. Essentially his immune system perceived his platelets as the enemy and started to destroy them. The battle began and it entailed suppressing his immune system and waiting for his platelets to recover. They did. This entailed nearly a week in Critical Care and I know that without having the coverage that I opted for with Embrace, my sweet dog and I would not have been able to win this particular battle. Embrace covered the TPLO and the Critical Care costs in a timely and compassionate manner.

Embrace was recommended by our vet - one of the few that specializes solely on felines in the DMV area. After doing in-depth research against competitors, I decided to sign up with Embrace because of consistently positive reviews and reputation. I'm amazed at their customer service and willingness to assist. The claims submission process is very simple. Print out a prepopulated single page form and ask your vet to fill it out after the visit. I've had two claims submissions and both have been approved with zero hassle in a short time frame. The first submission was when my cat had fluid leaking from his ear and a heaving cough. The vet bill was in the area of $650 - Embrace covered their share after I met the deductible. During the same visit, my vet strongly recommended I take my cat to the cardiologist as a result of some unusual heart activity. That bill was about $450 and since I had already met my deductible, Embrace reimbursed me for their portion within a week. I brought the form to the vet and they faxed it to Embrace - I did nothing more than print a piece of paper. I feel very confident that Embrace has got me and my little guy covered!

I spent a lot of time on the internet looking for the right dog health insurance that will cover my puppy for illness or accident without any "hassles". My dog gets sick or has an accident, I get reimbursed according to my policy... period! Well, I found that Embrace Pet Insurance was rated as one of the top companies you can rely on for prompt, fair and courteous service. No one wants to see their pet get sick or hurt, but when they do, Embrace is there to ease my pain! My 18 month old Boxer has a couple of issues where my claim was faxed in by the Vet and within a day or two, Embrace emailed me they had received the claim and it was in review. A few days later I'm notified the claim has been approved and I can use their "Portal" to see what is being sent back to me! Great decision to get Embrace!

My dog recently had an ear infection, which was not a pre-existing condition and yet Embrace denied the claim. The "reason" cited was that somehow the ear is related to a dermatological condition. The Veterinarian could not believe this bogus reason for denying the claim since an inner ear infection is of course NOT a dermatological condition. If Embrace does not reprocess and pay I will never renew this insurance and plan to address this in my newspaper column. As a consumer advocate, I try to give the benefit of the doubt, but this is ridiculous. Like my Veterinarian, I am incredulous.