Embrace | Pet Insurance Review

I am really in the minority after reading about 20 reviews. I had never taken out pet insurance until this time. I read about 5 different companies and ended up with Embrace. I asked if her first exam would be covered. I was told over the phone "yes. you have chosen the maximum coverage." My 1 yr. old cat had her first exam, passed with flying colors and I was handed a $250 bill for the exam and the various blood and stool tests plus injection. I called Embrace to find out what I do next and waited on the phone for 20 minutes before being disconnected. I called again and after holding for 1/2 hour, hung up. I sent an email. No response. I told this to my vet who said they would call. They telephoned me the next day to let me know they could not reach anyone either, but they said they had enough information to put in the claim without the help of Embrace. 4 weeks has gone by and I decided to use the website to find out when to expect my refund. The website told me I was not listed. I called and after a hefty wait, I was connected with a woman (they call her an "embracer.") who told me they had major website and phone problems. She apologized and then told me that I had MINIMUM coverage and could not be reimbursed for anything except major accidents. WHAT?I realized then I was certainly with the wrong company.

My Labrador Kira literally overnight developed a large lump on her shoulder, which turned out to be what's called a seroma (fluid filled cyst). I was frightened to say the least, thought it was cancer and we were facing something sinister, but I was also SO relieved to be able to run every test needed to determine the prognosis because I had Embrace. Embrace not only provides amazing service, great rates and products, but also total peace of mind that my beloved pet is in great hands with both her vet and Embrace. My claim was processed in less than a week and a check issued within 2 weeks. It has been a LONG time since I've dealt with a company who actually does what they promise to do in a totally seamless manner, AND does it professionally with a smile and outstanding service. Thank you Embrace for being one of the best companies out there and for taking care of the most important thing in the world to me, my Kira. I have sung your praises to all of my friends!

Embrace was quick to respond, easy to work with, and attentive to details.

I have never had a problem with Embrace. Claims are paid promptly based upon your actual vet bill. They never nickel and dime you.

I came across Embrace Pet Insurance at the OC Pet Expo and signed up for a free trial thinking I wouldn't keep; so many people have told me that pet insurance is a scam. We had just rescued our dog and were new to all the dog options. During our Embrace trial, our dog got very sick, woke up one morning throwing up. It was so scary and we took her to the vet right away. The vet bill was around $600 after scans and medicine. I called Embrace to ask them if her medical bill would be covered. I was expecting some run around and a denial. To my surprise, they said "YES"! I couldn't believe it. I filled out some very simple paper work and they walked me through their simple process. Each time I called, someone very nice spent time answering my questions and walked me through all the steps. After the $300 annual deductible, I received a check for $110. I'm keeping Embrace. It's worth it! It buys me peace of mind knowing that I can take the best care of our dog and not stress out over vet bills if she gets sick or hurt. I like a company that practices good customer service. Thank you Embrace for offering this great service and for pulling me over at the OC pet expo to have me sign up for a trial! I'm grateful and am happy to let others know.