Embrace | Pet Insurance Review

My 40 lb lab-mix Pepper has been under Embrace insurance ever since she was 4 months old. This past month showed me just how much it was worth it. Just a few days shy of her 3rd birthday, she had been attacked by a giant American bulldog and needed to get $886 worth of vet care after the x-rays, anesthesia, medication and stitches. When I sent the claim, I personally was not expecting more than half the amount (at best) for the reimbursement. Embrace sent me $745 back! I ended up paying only about $140 in total! Embrace has always been good to us in their wellness plan, but their care and service during this time has shown that us that they truly care for us during the bad times as well as the good. Count me in as a loyal client for life!

After an initial bad experience with my first claim (confusion over the fact that I see several vets due to my rural location), we finally cleared things up and it has been smooth sailing ever since. It is SO easy to file a claim, and they are very quick to come to a decision and send a check. I've had very little issue with what they have decided to cover and what they have not. I have a holistic vet and so many of my expenses are supplements and not medicine - they won't cover that, and that is not surprising. I wish my own health insurance was this easy to deal with, and provided good coverage. Very good customer service which is hard to find these days.

My 18 month old kitten began running a fever so I took her to my vet for a check up. My Vet hear a heart murmur that had not been there 2 weeks prior when Lucy had a check up and shots. She put Lucy on antibiotics for a week and had me bring her back in 5 days hoping Lucy was dehydrated and that was what was causing the murmur. We went back for the recheck and the murmur was still present so my Vet sent me to a specialty hospital to a cardiologist for further testing and she found Lucy has Aortic Stenosis. Needless to say I was devastated at the diagnosis but relieved to have Embrace and hoped everything would be covered. Now I have to say, I have had Embrace now for a little over two years and was debating on whether or not I would keep it. I adopted a kitten in the summer of 2009 and researched pet insurance, I have had pets all my life but had been told for the most part pet insurance is a waste of money. Embrace by far had the most positive reviews so I decided to try it. Within, I believe, 2 months of adopting my kitten she became ill and was hospitalized. A few months later she again became ill and was hospitalized. The total bill was around $1100.00. Although Embrace did give me a little bit of a hard time, my Vet had to call them, they did pay both claims after speaking with my Vet and I was extremely pleased. The only issue I had is they made me have an expensive test done on my kitten before they would keep her on the insurance. Last year neither of my

We started off a bit rocky because of some suggestions a vet wrote in my dog's records several years ago, but with Embrace's help they were able to tell us what information we needed in order for our yellow lab's $4000 cruciate ligament repair to be covered. Once more information was gathered, everything was very easy and we received a very sizable claim.

Like all of you out there I too am daddy to two of the sweetest long-haired chihauhaus that are beyond spoiled! My wife an I shopped for pet insurance and had a couple of terrible experiences until a friend recommended Embrace Pet Insurance. Our experience with them has been nothing short of superior in all aspects of cost, reimbursements, and follow up customer service. They are by no means cheap but I can tell you that the services they offer are worth every dollar we spend. They are fast, efficient, and "get it", meaning they understand and empathize with what we go through when our babies become ill or injured. I actually had a representative call me to see how my little girl - Mango - was making out post op from her shoulder fusion. As we speak, my big girl - Maggie - a.k.a Mootz - is under going a surgical procedure to remove infected anal glands and they reviewed the pre-authorization estimate and sent us an email detailing what the % of coverage would be. They condensed a 7-day process into a 24-hour turn around so we wouldn't suffer sticker shock with the bill! Embrace is just a down home folksy operation that is professional, well organized, quick to respond, and has the best interests of policy holders on the front burner. They are wonderful to deal with on the phone and go out of their way to accommodate policy holders. I'm the first one to send off a barn burner to whomever is willing to listen when I receive poor customer service from any organization. I