Embrace | Pet Insurance Review

I am a new customer with a rescue kitty. I did my homework researching insurance companies and it seemed that Embrace was the only one that went into effect in 24 hrs. after signing up(for Wellness coverage only). But I signed up with the understanding that everything was covered immediately. It was only until after I submitted my claims that I understood that pre-existing conditions(earmites/fleas) and injury(infection related to the spaying) were not covered. This was not made clear to me on the phone or from reading the brochure. Although everyone I've been in contact with has been very nice and helpful, I feel I did not get the correct information initially. You have to be able to ask the right questions! I have a very young kitty who is mostly an indoor pet so I'm not sure if this is the right insurance for us. We'll see how the next few claims go.

After less than satisfactory experiences with other pet insurance companies, we finally feel as if we have made the right choice with Embrace. The claim was handled in a timely manner, and we believe that—given the seriousness of the incident—the reimbursement was fair. We hope that future experiences with Embrace continue to be as positive as this initial one.

I have been with Embrace for almost one year and unfortunately we has the customer are the one paying for the very slow processing of claims do to "training delays". I recently have had a number of illness claims beginning back on 7/10/12 and they are taking almost 30 days to process from receipt of claim to receipt of reimbursement. This is making me rethink the renewal of my policy. At this time I would find it very hard to recommend this company and would caution a potential client.

The whole process was simple and easy.

Our over-eager golden retriever had a tough month in June - shattered toetail, giardia, and sprained ankle within weeks. Embrace was so easy to deal with during the claims process. They kept us informed at all points in the process and reimbursed us exactly as promised. My questions were answered quickly, by a real person. After this experience, I've already recommended them to many of my friends.