Embrace | Pet Insurance Review

We have had your insurance for a few years now...while changing over from one company to yours our third dog was not eligible...we could not at that point get her insured at all...so we were disappointed at the very start. We receitly sent in a claim for Sailor our male dog of about 400.00 and got a WHOPPING 2.15 cents back on our policy return....very very sad. Not sure we will continue feel that we pay lots of coverage but you all find ways not to pay back.

I have a Gordon setter puppy who is quite inquisitive. I researched many policies and decided on this one because of the excellent coverage. My pup was in the E.R. because of a toxicity issue. she found an asthma inhaler and bit the canister resulting in an overdose. Vet said she'd never seen a pup do this before. The tension of waiting for your beloved puppy and the family worry is bad enough without having to worry about how you are going to pay for it. Thanks to Embrace who received the claim and paid very quickly! I only regret not having bought the top of the line policy. I had to pay the $500.00 deductible and was reimbursed at 80% like I chose. I will up this next year because my pup deserves the best care.She is fine, now been spayed too and embrace sent that check lightning fast as well!

After a year of debating if getting a puppy was a good idea, We took home our little Pug (Maddie) in the summer of 2014. Being a first time pet owner I had a million questions about everything. Our Vet gave us some brochures on pet insurance. I literally spent weeks comparing them all. I am so glad that I chose Embrace. They have been wonderful. We completed the medical history review which is great because it doesn't leave you wondering what they will or won't cover. Maddie developed generalized demodicosis with a secondary infection. She also has a food allergy and possibly some other allergy that made diagnosis a little more tricky. Embrace has covered almost everything from the Vet, to the Dermatologist, to a second dermatologist opinion. There was one time a claim was denied because the adjuster felt it was a skin problem that fell under pre-existing conditions. But the appeal process was simple and easy I submitted a visit summary from the vet that I get after every visit and in like 1 week it was approved. Customer service is excellent. The only reason I gave a 9 instead of a 10 was I think there is some room for improvement in the area of submitting claims like uploading them to the website instead of mailing them. Also there call wait times can be long But they never try to rush you off the phone. I would highly recommend Embrace pet insurance to anyone who is getting a puppy. It is the best money I have spent on her.

I purchased Embrace for my dog Izzy when she was ~ 1yr old, a few friends of mine had issues with their young dogs which required expensive surgeries. I was thankful that in 5yrs I did not have to use it. Then this year my dog developed a cancerous tumor which had to be removed, she had 3 tumors but only 1 was cancerous. The surgery cost $3000. The Embrace claim form was easy to download, was submitted with all paperwork right from my vets office and I received a reimbursement check in ~ 1 month. It was a relief to know that a portion of that large surgical bill would be covered.

We've experienced the need for many claims here lately and without Embrace insurance I know we would be financially strapped by now. At a minimum I think everyone should get accident and illness coverage for thier animals. Thank you for the fast claim turnaround.