Embrace | Pet Insurance Review

Good communication on status of claim

I switched insurance to Embrace after reading many customer reviews and product comparison articles online. I was happy with my initial insurance, but I wanted something that made me feel at ease when my dog is older (she will be 4 in the new year). The claims process is extremely easy, but what I really love is the follow up. I always receive an email providing the explanation of the claim. I really love that every customer representative I have emailed or spoken to are animal lovers. I like knowing that the people who I have to deal with when I file a claim, understand what I am going through as a customer and pet owner. My beloved dog just had her nail ripped off from a crazy doggie daycare session that took almost 1 month to health. Not only did the claims department process it quickly, but the follow up was great as usual. We rarely have health issues with Maxah, but when we do (and even if it's during the annual check ups), it is comforting to know we are in good hands from a financial/insurance perspective.

I've been a customer for only a few months but I've found customer service prompt and easy and reimbursements have been fast.

Cody, our 10 year old Sheltie had a sudden severe nosebleed. We had to rush him to the local pet emergency room where he was diagnosed with high blood pressure and kindey failure. He spent the weekend in at the emergency room ICU, a day at the specialist, and 5 days at our vets office for IV treatments. This was our first claim with Embrace, and I was a little nervous about the process. It could have not been easier. Faxed my claim form and invoices, got an e-mail confirmation in less than 24 hours confirming reciept of my claim, and when I should expect a response. Next e-mail was to let me know that my checks were in the mail. No issues at all! Follow up visits/claims have all been handled the same way. I am very pleased with Embrace, and would highly recommend theme to anyone considering pet insurance.

A few years back, I lost one of my kitties to kidney disease. It made me realize how much good veterinary care is out there today, but also how expensive it can be. I know that I could never make a treatment decision based on cost, so I decided to look for a plan that would cover the big stuff. My cats now have a high deductible plan that covers up to $10,000 in treatment. Because they have $1000 deductible, the premium is quite reasonable. I cover the routine stuff out of pocket, but have protection in case something serious happens. This year, my 12 y/0 kitty was losing weight. In order to determine what was wrong, he needed some rather expensive testing (ultrasounds, etc). I was able to turn in his bills in excees of $1000 and was promptly reimbursed 80%. The claims rep kept me updated on the status of each bill until it was paid.