Embrace | Pet Insurance Review

Embrace seems to be oblivious to the fact that dogs that swim sometimes develop ear problems that have nothing to do with allergies, and making that category of ear issues a preexisting condition for unrelated skin issues makes no logical sense whatsoever. They also don't seem to understand the difference between notes and a diagnosis. Let me state up front that I have no problem with the "preexisting conditions" clause, as long as it's truly a preexisting condition. What I am referring to here is the Embrace taking a very long stretch to tie things together that are not true preexisting conditions, and then using that as an reason to not pay claims. In May 2013 my vet noted a mild irritation in my flatcoated retriever's ears. He never received any diagnosis or treatment, and I corrected it by cleaning his ears. No problem. In April 2014 my dog developed an infection on one leg and an irritated place of unknown origin on another foot, which we treated. When I submitted the claim Embrace first rejected it because of the note about an ear irritation in 2013, which had nothing at all to do with what was going on this past April. The vet had to write several letters to Embrace that were very clear that the ear irritation in 2013 and the infection and irritation on the foot were unrelated, and Embrance eventually paid off on the infection but not on the unknown irritation. Now Embrace has "reset the calendar" on ANY skin or ear problems. Anything that hap

I recently had to take my one year old dog to a pet hospital due to illness and the bill was over $1700 for an overnight stay, tests, meds and doctor fees. Embrace reviewed the claim and emailed me to inform me that they were going to reimburse 80% of the bill within a week of the claim submission. I am very happy and relieved to know that we don't have to carry the burden of wondering if we can afford to get the best care for our dog!

I just took out the pet insurance last Thursday and took my Yorkie to the vet the next day to get spayed and her dental done. I faxed the claim yesterday and Alli from claims has emailed me today to say that my check was on its way. I also have another Yorkie with another insurance company and they weren't nearly as efficient as this company.

Choose Embrace based on several recommendations from other people. I have owned several dogs but this was the first time I purchased pet insurance and thank goodness I did. My puppy had to spend a week in the ICU resulting in a substantial bill. Embrace helped me with submitting the claims and processed the payment super fast. Could not be happier!

You can train your dog, you can get your dog the best food and toys ever, you can love your dog. All of these things can be done after you forget to do them for a while and after all the other bills are paid. You can't forget to get health and wellness insurance for you dog. A day late is a day where you need to decide if the pet lives or dies. Embrace is simply phenomenal and I will be with them as long as I have a furry family member.