Embrace | Pet Insurance Review

My golden retriever unexpectedly started urinating blood, took him to the vet and ultra sound was performed. A large tumor was located on his right kidney. He had surgery the next day removing the kidney. I submitted the claim to Embrace and within days had a check in the mail. He is not out of the woods yet, he starts chemo this week. It is difficult going through this as we think of them as our kids, but Embrace lessens the pain by always being compassionate and on the spot with paying the claim(s).It may cost a little up front but well worth it when needed. Thank you Embrace

First let me state we are keeping Embrace, but they asked for the review so here it is. Our dog has a chronic gastric condition typical of the breed. Our Vet decided that it was medically necessary to have his stomach tacked (gastoplexey) to prevent torsion from bloat, usually a fatal condition. We submitted a pre-certification to Embrace which was approved, had the surgery and submitted the claim---WHICH WAS DENIED! How do you deny a pre-authorized claim???? After the requisite indignation on our part, to their credit they honored their pre-approval and paid the claim. Embrace never did inform us what the issue was---did the pre-auth person screw up or did the claims agent? The way their note to us saying the'll honor the claim was written seemed to indicate that it should not have been approved to begin with since it was "preventative" even though the Vet said it was medically necessary to potentially prevent his death from bloat. So in the end it worked out but the stress we were put through, for the albeit only for a day, worrying about the vet bill was upsetting. I will give them high kudos for honoring their pre-certification, but they should have seen it internally and we should never have been the wiser--the actual submitted claim should just have been paid. Otherwise, we really like the comfort of having pet insurance on our dearly loved pet. P.S.: They do take a long time to process claims, and some glitch in their email notification system did't notify us of the claim status. I logged in wondering what was taking to long and found the 16+ days old denial--so this added to the stress because appeals have to be filed within 14 days. Epic fail administratively.

I had Embrace for my previous Golden who died much too young from cancer. Embrace was there as we went through chemo treatments and check-ups and never once rejected a claim. Unfortunately she didn't make it but not having to fight with the insurance company was a much needed blessing in our time of sorrow.But because of the love of our previous golden, we did get another one and I did not think twice about which insurance company I would get. Embrace wins hands down, for its price, for its coverage and for its personal e-mails. I even got a sympathy card from them. Their coverage is easy to understand without all these hidden codes of what is covered and what is not. Check them out, you will be amazed. Thank you, Embrace for being there.

Had a large surgery claim and Embrace asked that I send in a pre-approval form so that there would be no surprises. They approved the pre-approval and after surgery was complete they had deposited the money into our account within the week. Everybody at Embrace was very helpful and understanding. I have had many claims with them over the years and have always had a pleasant experience.

Very easy to file a claim, easy to understand and check on refund, rates are comparable in Ins, only a reduction in monthly cost, perhaps for age or length of time a member, would be the only thing I would recommend