Embrace | Pet Insurance Review

I am becoming increasingly frustrated with the quality of the customer service provided by both the telephone reps as well as the claims processors. My claims are consistently being processed incorrectly with Embrace informing me that my claim is not covered when - in fact - it should be. Thereby requiring to make multiple phone calls and send multiple emails to receive the coverage that I have paid for. The avoidance and unwillingness to pay claims is almost equivalent to fraud. If you would like to chase your pet insurance company to claim monies truly owed to you, then please do choose Embrace.

This is not my first experience with pet insurance, and have to say that my previous experiences almost kept me from trying it again. I'm glad that I did, and that I chose Embrace. Although I probably shouldn't be, I have been surprised every time they have covered expenses that I have submitted reimbursements on. And they have covered them all - from laser eye surgery for a tumor to emergency procedures for bloat. Thank you, Embrace. You've earned a life-long customer!!

Our dog was diagnosed with Addison's disease last year and without Embrace we would be swimming in a sea of bills. Not only is our dog healthy and happy, we have less worries about all the visits to the vet to keep him healthy. The best decision we ever made was to get insurance from Embrace for him.

I was glad we had Embrace when our dog Terra started to experience strange symptoms. It was late and we were about to go to bed, but we decided to take her to the Emergency Vet instead. Terra had developed pyometra and needed emergency surgery ASAP! If we had gone to sleep she probably wouldn't be with us today. She almost died in surgery when her infected uterus burst and another doctor who decided to stay and help came out to tell us it wasn't looking good. Luckily, she was a fighter and she pulled through and began healing surprisingly well. I couldn't help thinking while she was in surgery "I sure hope Embrace comes through for us" It was definitely NOT CHEAP! Terra's ordeal cost us 4,400 bucks and although we would have paid anything to get her better, we were not in a position to spend that type of money. Everyone thought we were crazy! Thanks to Embrace, we were reimbursed $3,009 after our deductable and copay, which sure was a relief. Embrace was great! I always knew what was going on with my claim every step of the way. An agent always emailed me with updates, when the claim was done, when the check was going out and even to make sure we received our check. We had our check before Terra was even fully recovered. I was VERY impressed with their customer service! Even got an e-mail just to see how Terra was doing weeks later, which was nice. I hope to never file another claim like that again, but I'm sure glad we had Embrace!

Embrace has been very responsive and proactively contacts me when necessary. The reps are friendly and attentive. I love their newsletter and its been very informative concerning common conditions and pet food recalls among other things.