Embrace | Pet Insurance Review

I was very happy with the speed and ease with which I submitted and was reimbursed for my claims for my Lucy's ACL reconstruction. I was wary that some of the procedures/medications would not be covered, as insurance companies often disclose in "the fine print," but Embrace stuck to their word and I received back 100% of the costs I had expected/hoped to receive. The service team was also very accomodating in corresponding directly with the facility performing the work in order to obtain the itemized details. I hope Lucy lives out her years in good health but regardless I will continue to use Embrace for her duration.

So glad I choose Embrace Pet Insurance. Claim forms were very easy to complete. I received great communication by email after claims were received. Very quick processing and issuing of reimbursements. Follow up emails from Embrace to make sure I received my checks. Wish my own health care insurance was this efficient.

Both our dogs have Embrace Insurance and we also opted for their Wellness Rewards program. When learning of the higher than expected cost of neutering our large breed dog, I called to see if we could upgrade our rewards program (even though renewal was not for a few more months) in order to absorb some of the cost. The service representative was extremely helpful and professional and took time to completely explain all details. Thanks to Embrace, we recouped an extra $50 back from the overall expense. They also made me aware when my email program was bouncing back their email updates to me about reimbursements. These people are a pleasure to deal with!

Romulus got into a bag of trash left outside while I let him our for his morning potty break. Unbeknownst to me, he ingested a bit of moldy cheese. Four hours later, he was convulsing. I went to my regular vet first, then he was transferred to the vet school when they could not figure out how to make his convulsions stop (they tried various anti-convulsants to no avail). They finally discovered the problem, treated his accordingly with fluids, hospitalization in ICU and very expensive meds). Of course, the only thing I was concerned about was his health at the time, but after he can home and recovered, I began to worry if Embrace would cover everything as well as they claimed they would. They did! After I submitted a claim and his records, they reimbursed me the amount agreed upon in my policy very quickly, with no questions asked. Love this company!

I am extremely happy with Embrace! Coverage is great and also the communication with the staff. They'll let you know about the progress of the claim promptly. My pug had bad allergies (turns out to plastic)and because a mistake made by my vet office my claim was denied, but after I contacted the vet office and the mistake was straightened out, Embrace re opened the case and covered most of the cost. I have recommended them to other pet owners at my vet waiting room!