Embrace | Pet Insurance Review

I submitted a claim to be reviewed (my first one) and it took nearly 5 weeks to have the claim processed. Additionally, several weeks into the process, I received an email noting that Embrace needed medical history from another provider and they had not received the info. Therefore, they were going to cancel the claim for insufficient info if I did not produce that information within 4 days. Meanwhile, that was the first that I had heard of the missing info. Five minutes after receiving that email, I received another email conveying that they had received the info and my claim had been processed. To summarize, my first claim process was a disappointing experience, punctuated with poor communication and customer service, and I will think twice before adding my second cat to this insurance policy.

We got our first dog last month and people recommended getting pet insurance. After getting people's advice and also researching different pet insurances (because there are many & some have horrible reviews) we decided to go with Embrace because it came highly recommended. I submitted my first claim on Monday, received an email on Tuesday that they were in receipt of my paperwork and received another email today that they claim has been processed and a check is in the mail. Amazing! I know I chose the right insurance for my dog.

I bought a $500 deductible / $10k max accident/illness policy from embrace in 2007 when my dog was about a year old. Because of the relatively high deductible, we had never even submitted a claim until our dog had a serious neck pain issue in 2011. I was very nervous at the time -- we'd been paying this company for four years and you hear all these horror stories, plus once you have an existing condition then you can't switch companies without losing coverage... what if I'd chosen a bad company back in 2007? You can imagine my relief when Embrace was a joy to deal with. My dog ultimately needed an expensive MRI in 2007, and Embrace returned my approved precertification within a day and a half and quickly and fairly paid each claim once I submitted them. It was great to know that my dog (and my finances) are in good hands! My dog's pain has recurred, and I've just had another great experience with a quick MRI precertification and payment. My dog's neurologist volunteered that has she worked with a variety of insurance companies, arguing that tests and procedures should be covered, and that while she has seen some other companies get harder to deal with in recent years, and some have always been a nightmare, Embrace remains among the top of her list. Thanks, Embrace!

My dog Molly just passed her annual wellness exam two days ago and my wellness claim has already been processed. Can't ask for quicker service than that.

I love these guys. I am especially pleased when I have to call them, because each time, a person just picks up the phone and solves my issue. They are absolutely quick, fair, and reasonably priced. I have a great sense of peace knowing my kitty is protected and when he needs his vet, I won't have huge headaches later on.