Embrace | Pet Insurance Review

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

Luckily, so far we have not needed to use our regular health insurance plan. However, I purchased the additional Wellness plan for my puppy. I have used up all the money for her initial expenses like spaying and vaccinations and saved $100 dollars through the plan. Embrace reimbursed me without any problems after I submitted the claim. Communication was always prompt and professional. I had to call customer service once, because I was unclear on one of the claim e-mails. The representative explained my claim (there were some charges like a dental procedure that was not covered under the Wellness plan and the splitting up of the bill was a little confusing) and was very friendly in helping me understand. So far I have been very satisfied with Embrace. The only thing I wish was different is the total lifetime plan limit - it would be great if it was higher or unlimited like some other plans.

Wellness claim (puppy shots). Claim was submitted and addressed promptly and efficiently.

My now 9 year old Greater Swiss Mountain Dog Tasha has been insured with Embrace for 2.5 years. We previously had a couple of minor claims. All were handled by Embrace in a very satisfying manner. A month ago, Tasha ruptured her left ACL and underwent tight rope surgery to repair the ligament a week later. Again, Embrace handled my claim of about $4,400 (minus $500 deductible and 10% co-pay)in a timely manner. I love their reliable and hassle-free service.