Embrace | Pet Insurance Review

I had Embrace for my geriatric pug for a few years now. The insurance generally requires little paperwork from my end and is extremely quick in handling claims. I am extremely pleased with Embrace. Recently, my dog suffered an accident which led to discovery of multiple abdominal tumors. The time to handle this particular claim took longer than usual due to an appeal process but ultimately everything was taken care of.

I bought health insurance for my new puppy after reading up on her breed (Cavalier King Charles Spaniel) And learning about the serious health problems associated with the breed. I figured I would need in years to come. The Embrace literature says they cover breed-specific conditions. But I didn't have to wait long to use it. At four months old she had a run in with a nasty cactus. This got a $350 visit to an emergency hospital on New Years Eve. Then two month later she was spayed. $2oo covered as a wellness claim. Then she got an infection from the spaying operation. It was Sunday, so this also required an emergency hospital visit, another operation to find the extent of the infection and clean up her incision, and a hospital stay. $2,200. After the $5oo deductible and my 20% co-pay, I'm getting back about $2,665 so far this year. Don't think because your puppy is young and seems healthy you don't need insurance. I hope I don't have to use it again til next year, for a wellness visit. :)

I recently purchased Embrace insurance for my two Newfoundlands. So far I have been very impressed by their prompt and kind customer service. It's great to know that the Newfs and I have some support and security from a business that knows all about loving dogs!

I submitted a claim through my Wellness Rewards account via fax, the day that I received the charges. Within 24-hours, my claim had been reviewed, and I was issued, as promised, a full refund as per my Wellness Rewards contract. Now THAT is delivering on a promise. Very impressed!

I cannot imagine ever having to compare pet insurance policies again. I couldn't be happier with my choice of Embrace when our Cav King Chas Spaniel, Chloe, was just a puppy. She has had some health problems over the years and recently needed abdominal surgery. Every single time we have submitted a pre-authorization request or a claim for services, Embrace has responded quickly and payment of claims has been fast. This is a wonderful service - a top-notch business. If you are shopping for a pet healthcare policy, you have found it!