Embrace | Pet Insurance Review

Our lab/golden, Daisy, has had digestive problems on and off for the past two years. This summer it came to a head with terrible diarrhea for over a month. Our newest vet was determined to find the underlying cause - which has proved expensive. Daisy has had blood tests, x-rays, ultrasounds, and surgery to obtain a full-thickness intestinal biopsy. She's now been diagnosed with inflammatory bowel disease, pyloric stenosis, and protein loss enteropathy. She's lost 25% of her body weight, but she's started medications and a food her body seems to tolerate, so we are hopeful for a turn-around. We enrolled Daisy with Embrace when we adopted her in 2012 so we wouldn't have to consider cost if ever faced with a medical emergency. She's young, so it has indeed been a relief to be able to say to the vet, "just do it." Daisy's medical bills this year have totaled over $5,000 to date, but our costs have been about $1,500. I only wish that we'd opted for the Rx coverage. The many claims we've submitted have each been handled in about two weeks. As far as I know, there have been no questions about our invoices. Thankfully, our vet practice advocates for pet health insurance - Embrace is among those they recommend - and they're very cooperative in assisting with claim forms. That was not the case with our prior vet practice. I do wish there was more information available about the claim while it is being processed. Some dates we've had multiple invoices, or the amounts are confusing because they include non-covered costs. I've had to resubmit a claim once or twice due to confusion over dates. If I'd been able to see the details prior to the determination, I'd have been able to fix the problem (and get that check!) sooner. All in all, however, the experience with Embrace has been exceptional.

When I signed up I gave all my dogs history.Embrace excepted my application. I've been sending in claims all year long. Not once did i get reimbursted or a letter saying why. I just got a renewel notice and it went up $ 200.00. I called to ask why it went up and why they haven't paid any claims. They told me they didn't pay because my dog had a pre-codition. THEN WHY DID YOU EXCEPT MY APPLICATION AND MY $600.00 I'm very diappointed in how you run your company.

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!