Embrace | Pet Insurance Review

I chose Embrace because of the reviews I read and I have not been disappointed. I submitted my claim, received an email when it was received, received an email when the check was mailed with an explanation of the payment, received the check, received a follow-up email to make sure that I received the check. I am very pleased with Embrace Insurance. I hope I won't need to submit a future claim, but if I do I know it will be processed quickly and efficiently.

I had never reached my deductible for several years, but finally filed a claim higher than my deductible in July 2014. The claims representative sent me a summary of the claims filed prior to meeting the deductible so I did not have to research my own files to see what payment would be forthcoming. That was very helpful. The claim notification and supporting claims review process is clear and easy to understand, and fast too. Only a few days from receipt to final review. Emails received during each step of the process. Very satisfied.

We've been with Embrace for a few years and since day one they have been great. The process, service and communication is top notch. We are impressed with the ease of claims and their communication to follow up via email on claims and questions you may have.

My dogs yearly claims for her immune condition. My dog was diagnosed with a rare immune disease in 2010. Less than 1% of all dogs have this condition. Fortunately, when I adopted her from the dog shelter in 2008, I got her Embrace policy. I turned in $3000 worth of claims in 2010 which were promptly paid by Embrace once they had her doctors records. She must go in yearly for rechecks which cost around $400. However, this year she also had some minor illnesses of diarrhea a couple of times and ear infections. I kept all of my bills for her (over $1000) and turned them in on Monday and they were paid on Friday.

Embrace is very aggressive in preexisting conditions exclusions. They will exclude a wide array of conditions if your pet has ever had diarrhea or other common issues. Their marketing is very slick, but when push comes to shove they are quick to leave you with the bill and a sick pet.