Embrace | Pet Insurance Review

I have friends and colleagues who have used other pet insurers and have cancelled policies because the insurance did not cover enough issues and/or did not reimburse claims the owners thought should be covered under the policy. Or because it was just too difficult to deal with the insurers. I've had no such issues with Embrace. I work in the pet field and recommend Embrace to my clients.

We've had Zuzu, our 6-year old Dachshund, insured with Embrace for over 5 years now. Luckily for her, and us, we've only had one health crisis with her requiring surgery. She has been healthy and thriving ever since. We continue to have Zuzu routinely seen by the vet for wellness checkups and routine vaccinations. The great thing about our Embrace insurance policy is that we have an annual allowance of 200$ towards wellness checkups and vaccinations. This is not only helpful to our bank account, who doesn't want to save money? But, it's a great comfort knowing that Embrace cares enough about pets that their policies encourage pet-companions to keep up with routine vet visits and health maintenance care. As always, the friendly, prompt, courteous service by Embrace's claim-handling department personnel is a pleasure to deal with. It's nice that they care enough to ask after Zuzu and send us helpful tips, stories, and other valuable pet information on a somewhat regular basis. If you're not already insuring your pets with Embrace, what are you waiting for? I promise you won't regret it.

They are prompt, very thorough, and keep you up to date through the whole thing. It's well worth the money.

Embrace has good coverage but I also liked the speedy claims service they provided in the past. I used to be out my money for only about 2 weeks. Recently is has been over 30 days. I see it is now 15 business days before they even process the claim.

I have nothing to say about Embrace except good things. I think it was 2007 when one of my golden retrievers, Frisbee, got a torn cruciate ligament and at the time I was unemployed, no money coming in, and no pet insurance. I struggled but I found IMOM.org where people log in to see what your story is and donate to the dogs or cats they choose to. So I needed $3,300 for the Frisbee’s surgery and I had to wait for a couple months before all the money got donated. Frisbee got his surgery paid for all in donations. After that, as soon as I got an income stream coming in, I searched around for insurance companies and most did not cover preexisting conditions, or they did not pay for diseases specific to the breed, or wouldn't except my Abby because she was 8 at the time, or they paid claims on their own rate schedule. Then I found Embrace. We have been insured with Embrace since 2008 and my Frisbee is no longer with us but, I have L. Bostwick and Abby. I am so glad I found Embrace because before Frisbee died he came down with cancer and Embrace paid for all his chemotherapy pills, surgery, and specialist visits at the hospital. During the time we have been insured with Embrace they have paid every claim within the 15 business day window, and most of the time they paid within 2 weeks. I have the reimbursements automatically deposited to my checking account which is a huge convenience. I highly recommend Embrace pet insurance to everyone who has a pet.