Embrace | Pet Insurance Review

After enrolling in Embrace six months prior, my Angel (We-Chon) developed unprecedented severe gastritis issues. It took three visits to the vet before her condition improved. That was a heavy expense I would have had without the reimbursement from Embrace.

My dog went to the vet for back pain. The vet diagnosed her with IVDD, so we went to a specialist about a week later. I thought I would have to do an MRI, and I told to get a pre-certification by the person I spoke to at Embrace. Apparently it takes 10 days to guarantee a response. I was a little put off by this. If this was an urgent case I would not have 10 days to spare, I would have paid out of pocket and then crossed my fingers it would have got paid. Luckily I did not find out how this worked out.... I sent in my claims via email and followed up with a phonecall. I was told it was received and went about my merry way. 10 days later I checked it and there was an issue about the diagnosis. I had received no follow up call, no email notifcation. I found this on myembrace, which is a great tool. If I hadn't check it though - I would have never known! My second claim went in and this too had some confusion associated with it. It got associated to both my dogs and not one. It didin't seem to correctly active on Persia's account. Anyway 2-3 emails later it was corrected. The both my claims saddled mt renewal date and paid a lot out of pocket (deductible x 2).At first I was a little upset thinking I paid twice, until I called and got set straight. I think it may have been worth mentioning that in their response to me, considering I had two claims one after the other, to save me the initial frustration and calling back. That seems logical to me. BUT the people that work at Embrace are extremely polite and attentive. They asked my about my dog and were responsive to email. All in all I don't have much to complain about, I just want to flag they need a little more organization and thought in their claims process (the part that interfaces to the customer). I thought it was very promising that the initial vet visit and specialist were accepted as claims. If this had ended up being chronic this insurance would have served me well.

Embrace is a very caring and wonderful insurance company! Both my daughter and I have coverage through them for all our loving canine kids. Ours have been through different medical issues from ear infections and gastritis to cancerous growth removals and surgeries. Without the help of Embrace coverage we don't know how we could have been able to afford these bills! It was comforting to know we could give our girls the necessary medical treatment needed ,without hesitation, by having Embrace for assistance and still have our pets with us today and in good health and happy!! Soo rewarding! Just like us -- medical issues arise in life...unfortunately, so do they in our loving companions!! With the rising cost of veterinary bills , I would strongly encourage contacting Embrace!

I have always had confidence that embrace will be there for me and my golden retreiver abbey. She had recent acl surgery and claim payment was quick and efficient .. Embrace is never questioning! This helped relieve stress for me .abbey is doing great. Thank you embrace

Our late Dane had passed & we were never able to get her insurance due to an existing condition (HOD) - when we rescued our newest puppy, we jumped on it immediately. We did contemplate if it was worth it & just didnt' want to chance it & after doing the math with our previous Dane- it worked out to be a wise decision! And after our first 3-4 months of having him - YES it was absolutely worth getting coverage! He somehow was able to swallow 4 of his toys ( not small ones either- & without choking!) We had no clue until he was showing symptoms of bloat. A rush to the ER & then a week in the hospital, xrays & an emergency surgery- to find out it was toys & an almost $7000 bill! Yes, we were extremely thankful to have coverage. We got the claim back lickety split & I am forever grateful to have found such a wonderful company such as Embrace!Our little dude is alive & we our claim came faster than I expected! The wellness program is definitely well worth it as well! We Love Embrace !!! I can't thank you guys enough! Friendliest company I've ever dealt with!