Embrace | Pet Insurance Review

In short this insurance is misleading especially if your like me and adopted your pet from a shelter or rescue agency. They accepted my application and billed me monthly for almost a year before I submitted my first claim. My claim was denied because they stated they never received his veterinary records going back 12 months. When I applied for his insurance and was accepted I conveyed to them that I don't have this information due to my dog was a stray. They are now refusing to refund the money that I paid them in that time period. To say I was mislead is an understatement. I paid monthly, they accepted my payment and in return my dog was never really insured. I am truly disheartened by this experience and would not recommend this insurance to anyone at all.

I signed LisaJoy up for Embrace Pet Insurance in late October when I made her a permanent member of the family. She is dog #6 who I have "Embraced." In early December, when she was just 11.5 months old, I experienced the most horrifying experience of my life when her throat and tongue swelled rapidly due to a hematoma (internal bleeding.) The hematoma got so big it cut off her airway! I rushed her to my local vet, less than a mile away. They were able to do an emergency tracheotomy to re-establish her airway, and then referred me to the Emergency vet an hour away. From there, they sent me to the specialist hospital, Tufts University, 3 hours away. Throughout each step of this terrifying process, I was able to focus solely on my puppy and getting her the care she needed in order to survive, because I knew Embrace would be behind me 100% to help on the financial end of things. Sure enough, the claims process was simple and straightforward, the representatives were courteous and helpful, and the claim was processed very quickly, even over the holidays.

Renewed my dog's Wellness Policy for another year because they have proven to reimburse quickly. I have not had any problems in 4 years. Sad the Dental is no longer a part of the Wellness.

Haven't actually had to use my plan yet, but have been very satisfied with customer service. Had several questions before purchasing the plan (have it for 3 dogs) and did alot of comparing. This is what worked for me and gave me what I wanted. They are straight forward and no hidden small print. They took longer then planned to process claim but kept me updated the entire time. Again, can't say enough about customer service!!

I have had policies on two of my three cats for 2.5 months and these are the first pet insurance policies I have had despite having cats all my life. My experience with the other uninsured older cat and her intestinal cancer led me to getting coverage on the younger two. The youngest went into acute respiratory distress and I took him to an emergency 24/7 clinic. The care was prompt, professional, and seemingly clinically appropriate. Too bad our emergency rooms cannot be as effective. He was there two days and in my opinion was saved as a result of the intervention. The total cost was $1060. I filed my first claim and one month and 2 days later from mailing received the check. The amount was accurate and the Explanation of Benefits was clear and understandable. Again, too bad human health insurance cannot do as well. I am very pleased with this outcome and would strongly recommend Embrace Pet Insurance and the clinic that saved Max (my cat).