Embrace | Pet Insurance Review

Mere days after our insurance kicked in one of our dogs received a small gunshot wound to her abdomen. She needed to have surgery to remove and reattach her intestines as well as a blood transfusion. If we did not have Embrace we would not have been able to afford to save her life. The claims process was incredibly easy and the customer service representatives are so kind and considerate. I received multiple messages from Embrace employees checking on Lily after her procedure. We never did find out who was responsible for shooting her but we are so grateful for the excellent care she received and assistance Embrace provided us. We will never be without Embrace insurance as long as we have pets.

Again, paid all they could under a wellness claim stating I requested a snap test as part of her annual exam at an Emergency Clinic she was taken to on a Sunday afternoon for severve vomitting. The test was used as diagnostic. They offered to call the vet to verify I did not requested it as wellness, but then claimed the vet was out for a month. These people do everything they can to deny claims or pay them under wellness. Posted my frustration on FB, Laura's repsonse was I was saving $52 by pre-paying for my wellness policy....not if they pay emergency claims under wellness! Also had an attorney bash me on FB defending Embrace, though no fault of Embrace, not exactly good practice.

One of our dogs has epilepsy, and other pet insurance providers would not cover him at all. Embrace has been wonderful, with good customer service & prompt reimbursement.

We've had our Embrace policy going on three years now, and I can't say enough good things about how responsive Embrace has been to my - and especially my pet's - needs. I feel we're genuinely cared for, which is not something I expect from any insurance company. I live in NYC by Central Park so I meet a lot of new dog owners, and I almost always encourage them to get pet insurance -- especially with Embrace! I simply can't recommend them enough.

My yorkie has been having skin and eye allergy issues for the past month. We went to the vet four different times. I've had Embrace for three years and this is the first claim I've ever submitted. I submitted my claim 17 days ago and a check was sent out today. Their website currently quotes a time frame of 20-25 days. I did receive two emails letting me know that my claim was in line to be processed, so I knew that I wasn't left hanging. After submitting my claim, I reviewed my policy because I wanted to have an idea of what to expect and I needed a refresher of what was/was not covered under my policy. Their explanation of benefits form detailed out all the charges, what was covered, what it was covered under, and the amount I met for my deductible. The EOB form was very easy to follow. (I would say it is easier than my own personal insurance.) I've always been nervous about how my first claim would go, so I am pleased that I got back what I expected. I had no issues.