Embrace | Pet Insurance Review

I am in my 3rd year of Embrace for my dog Stryker and thus far have had an excellent experience. Although reluctant to buy pet insurance, I am very glad I did, particularly the healthy pet aspect of my policy, because it reminds me of the importance of keeping Stryker up to date on her vaccines, etc. Stryker has been very healthy so I haven't had to deal with any major claims but for those claims I have submitted (primarily skin infections and healthy pet claims) I have been very satisfied. The claims were handled in an extremely efficient and prompt manner. The claims are simple to complete and nothing onerous has to be provided. There were no surprises. Whatever the policy said would be covered was covered and vice versa.

My dog needed surgery. The claims process went smoothly, and everyone was very nice and respectful. I'm really happy I went with embrace rather than some of the other pet insurance plans I had been looking at.

During a dental procedure (not covered) a problem was found that required a biospy and extensive blood work with rather inconclusive results but pointing to a hypesensitivty to unknown source (have since changed to hypo food)so in other words, her immune system is out of whack causing ulcers on the back of her throat. My issue is despite the vet diagnosis, Embrace was quick to attribute this to dental and thus not cover. My concern here is not the money but Embrace making its own diagnosis contrary to the vet (who is the professional) and says this is NOT dental related. As this may be an ongoing problem, until Embrace recognizes my vet's diagnosis, any future bills attributed to this condition will not be covered as the company continues to call it dental. If have been waiting weeks to hear back on whether they will recognize this condition correctly or not. It makes me question the validity of the insurance and the willingness of the company to listen to the vet. it makes me hesitant to recommend this insurance at this time. (Ironically the condition they are saying she has is a common condition with King Charles Spaniels...not her breed.)

This is a reasonable amount of turnover time. However it was a very simple claim that has been processed for us a couple of times before. I'm not sure if your turn around times for something major is adequateor not. Thsnks for improving though.

Quick payment was made for my young dogs prescription medicine which is necessary for his anemia (secondary to his kidney disease). This company has always been the best --- from coverage & quick claim processing & customer service.