Embrace | Pet Insurance Review

The whole point of insurance is to have that comfort to know that in an emergency, you know you are covered (minus your deductible). Our dog ate something that really messed her up in the worst way. 24hrs of witholding food was still resulting in her vomiting water. So we took her to the emergency vet (since it was evening). She was very dehydrated and exhausted but ok, they sent her on her way and we thought, good thing we have insurance! Well, we submitted the claim within two days after her visit 2-6-12, and it took until 03-21-12 to finally get to our claim and let us know the coverage of our dog. A really long time for us to have to shell out our own money and wait, but in the end they came through.

Embrace is very easy to file a claim with. I keep a form in my office and bring it with me to each vet's visit. However, I do feel I pay a substantial amount to have this insurance, yet it doesn't cover everything such as medicine they give the pet at the vet's office, or dental problems. Not this particular claim, for my dog's corneal abrasion, but my dog had a bleeding from her sinus tract and I took her to the vet and it was not covered as they "suspected" it was a tooth problem. I just don't think that is right! She still had a problem and it wasn't even determined if it was from her tooth as she didn't have it pulled. It could have just been an abscess

I'm continually impressed with their coverage, timeliness in response and communication. I get emails when claims have been received, when a check is going out, and a pdf of the reimbursement detail. If I have a question someone gets back to me with 24 hours. Health insurance may seem silly for a pet but they can cost as much as a human to treat (or more). The financial advantage of pet insurance has far outweighed the premium cost.

We have been extremely pleased with Embrace. From day one, timely emails have kept us posted on the whereabouts of our claims....and there haven't been any surprises as far as denials. Thank you!

The customer service representatives are very knowledgeable and responsive via email to my questions about renewing my policy and claims I have submitted. I have the wellness plan (maximum $200) and the accident/illness plan (maximum $5,000, $500 deductible, 20% copay), and this renewal period I added the dental plan (maximum $400). There is no penalty to add and delete the dental plan from year to year as needed, which is nice. I just received notice that my recent accident claim has been processed and a reimbursement check is in the mail.