Embrace | Pet Insurance Review

I insured my dog Margaret with Embrace; it was the first dog I ever insured. We had no claims for the first year and a half. Starting last fall, she developed some problems and so far all claims were accepted and we were reimbursed quickly. Thus far, we are very pleased with their service.

I have to say that I have been skeptical to say the least when it comes to pet insurance. You hear these horror stories of unreturned emails/calls. Claims being rejected and terrible service.. But after arriving to Hawaii My schnauzer has unfortunately developed an overall sensitivity to everything even down to what she's able to eat. So with my vet bills going from bad to worse my veterinarian kept suggesting I look into insurance. She kept saying "some even cover the presciption food" and so after 1 year I caved. I purchased embrace in December and I just went to the vet and my whole claim was processed and reimbursed In less than 48hrs! The money's great but I'm so thankful for the piece of mind. And I'm feeling like a better dog parent by the minute. Thank you embrace!! I regret not taking the plunge sooner!!

This is the first time I have had pet insurance so I didn't know what to expect if a claim came up. My dog woke up one day and wasn't able to walk. After many tests he needed surgery on a herniated disc. This was an expensive procedure. Over $7,000 including the MRI. All claims were paid in a very timely manner. It was the easiest process you could imagine to be reimbursed most of those charges. Embrace is an efficient and well run insurance company that I would highly recommend to anyone. Thanks!!

Recently, we've been noticing a trend to quickly categorize claims as "wellness" and be declined. A follow-up call is placed and after a few weeks the claim is processed correctly. This latest claim is no exception. Our dog had a urinary tract infection two months ago and the claim was paid properly. The veterinarian stated protocol dictates that blood work be taken two months after finishing the medication to make sure the infection is completely gone. We had the necessary test done, it was coded as follow-up to a previous problem, and the claim was rejected as a wellness claim. If we were not monitoring closely (as we unfortunately have learned to do), this would have been the end of the story. A phone call was made to reiterate what the veterinarian wrote down and the claim was reconsidered and paid. This sort of service didn't was unbelievable until recently. It seems something is changing in either personnel or policy at Embrace Pet Insurance. Premiums keep rising and service is getting a little careless.

They are super fast to reimburse, I fax my claim and in a week the deposit is made directly in my bank accountBesides they are great to answer any question you have in a claim.