Embrace | Pet Insurance Review

Embrace Insurance is comprehensive, responsive and user friendly. Sager is a high valued service dog as well as a well known member of the island of Kauai. He sustained an injury during a play date with our pastor's airdale. Sager would yelp whenever he made certain movements with his neck area. A veterinarian's exam revealed tenderness in the soft tissue of the left side of his neck. During the months that followed Sager required pain and anti-inflammatory medications as well as acupuncture and laser therapy weekly. When his progress was slow we traveled with him to another island for a CAT scan and examination with a specialist.All the while Embrace workers kept pace with monitoring his care and communicating with us via email and EOBs'. The Embrace staff was both competent and friendly.

We had a $177 routine checkup and ear infection bill for our otherwise healthy 3 1/2 year old Golden, which we dutifully submitted. After having the vet send several years of doctor's notes to Embrace, we finally got "reimbursed." Out of the $177, only $26.40 were eligible and were applied towards the $500 annual deductible. It turns out that only the ear infection antibiotic was covered. The heartworm test, heartworm preventative, and fecal test... all disallowed. So, this insurance is really for catastrophes and serious injuries, not for routine doctor visits. We hope that we don't ever have to use it. We still want the insurance, but we were very disappointed that all the routine charges were not applied to the deductible.

All Wellness claims have been received and paid in a very timely manner. E-mails from the company are friendly sounding. Paperwork is easy to complete. The puppy is under a year old so we will see how it goes if and when other claims are to be filed. Thanks, Embrace!

After being a insurance broker for 45 years I know a good carrier and this is one. Have had coverage for 2 yrs. in second year have had my first claim . They did a professional job . I'm happy so is my dog everything worked out for best outcome she OK ,I did get reimbursed as per my policy conditions .

When we got our first dog my dog owner friends all told me to get her insured right away. I've only had cats and never even heard of getting insurance for them. But I took my friend's advice, shopped around and chose Embrace. I liked what I read and I also liked that they were a local (Midwestern) company. So far so good. It took me a while to understand what the "wellness" portion covered and what the "insurance" portion covered, now that I've got that figured out, it's all good. We use the Wellness portion more... for routine exams, shots, flea & heartworm meds and even nail trimming, we have a tooth cleaning coming up soon and it will pay for that too...anything that is considered prevention. And you get reimbursed in full. We've only had to use the insurance part a couple of times for an illness and an injury, and that's not as good because it usually just goes to your deductible. When it will pay off is when we (heaven forbid) have a major expense with our doggie. Hope we never have to find out,but it's good to have just in case. Sometimes it takes a little long to get the claim through, other times it's really fast. Guess it just depends on their volume. Laura is good and always checks in to make sure we received our check. If you are considering Embrace Insurance, I'd say go for it!