Embrace | Pet Insurance Review

I did a lot of research almost 5 years ago when I chose Embrace. From day one I've been happy with my choice. On one recent claim my 5 year old Miniature Schnauzer, Brody, was diagnosed with juvenile cataracts. I am willing to pay for a premium policy, just like I do for my own health insurance where I know what my deductible is and what my actual coinsurance will be. And my reimbursement will be for the actual cost of treatment. I have been very happy with the care and speed of service....with auto deposit I've been reimbursed within just a few days of my vet faxing our claims. I am a loyal advocate for Embrace and recommend them any chance I can. You will not find a better company to work with.

We have a middle aged Dane who is showing spinal issues. At the recommendation of the neurologist we had an MRI performed which, happily, eliminated the most serious possibilities. Embrace paid a significant fraction of the cost. We have two Great Danes currently insured by Embrace and also had previous Danes covered. We have always been highly satisfied by their coverage and professional service. Our vet remarked on a previous claim that the percent paid was surprisingly generous, so we are not alone in our recognition of Embrace

Not only are Embrace's rates and coverage the best in the business, but the customer service staff has always been extremely patient, courteous, and prompt with explanations and payments on claims. They don't make up reasons to deny claims.

My Beagle had an condition that Embrace said was pre-existing and would not cover. I went back and forth with Embrace. With great help from my vet writing letters and explaining her notes she requested that Embrace cover her treatment. This condition was not pre-existing. The underwriters accepted the appeal and approved the coverage. If you believe you should be covered for a condition and it is not pre-existing, you should fight for it.

Our furry friend, was diagnosed with heart worms in march 2014. Two month before our business trip to germany. We started treatment in the USA and due to Embrace wonderful staff where able to continue the treatment in Europe. Now the treatment is almost done and I have to say I am so amazed how wonderful Embrace handled our very special situation. All costs where covered fast and even if we send in germany invoices it was no problem at all. All our questions where answered within a day. They even got somebody who could translated them at Embrace. I am so grateful for Embrace and wish our family health insurance would be that easy too. Thank you Embrace-Team - you all are wonderful!!!!