Embrace | Pet Insurance Review

I got pet insurance shortly after getting my kitten, Mango. I work at a vet hospital, and I know the expense of owning a pet and what emergency visits can cost. I am very much into educating every client and new pet owner that pet insurance is something they need to get. I have found that Embrace Pet Insurance is one of the best pet insurances around. I like that their wellness rewards program can allow you to spend money towards products and procedures, where as other insurances would not cover. I recently made my first claim, which was Mango's neuter. A procedure that I would have had done regardless of pet insurance, but having the insurance made paying my vet bill so much easier.

I’ve had Embrace Pet Insurance for just over a year. I have 2 of my pets insured, about to insure a 3rd. Over all, the company is great! They have awesome customer service, have never had an issue with coverage, and although pricier than others, I find it to cover more than other companies. Their wellness coverage is great, especially the new $400 plan… perfect plan to be able to get annual vaccines and exam, flea and tick prevention for the year, and heartworm prevention for the year… and still have money left over! If you don’t care about wellness coverage, there are other companies you can check out (like Trupanion) that are a little less costly but also have good coverage… But if you want all around coverage, Embrace is your place. I have submitted several claims- both wellness and illness claims… Usually, wellness claim reimbursements are quick (although this last submission took a week). Illness claims always take a little longer, but it has never taken more than 2 weeks to get my money back. I like knowing that Embrace is there to back me up when my babies get sick. It’s a horrible feeling not having the money to be able to pay for treatment, diagnoses, or procedures to properly take care of my “kids” and I never have to worry about that while having Embrace Pet Insurance… My pets get better healthcare than I do!

Last year I switched from VPI to Embrace. So far I haven't had any major medical issues with my dog. But, since starting with them, Embrace has been extremely pleasant to work with and reimbursements have been timely and accurate. So far so good!

This is the 3rd time I've had a claim...each one was handled quickly, professionally,and with personal interest. My check was sent to me within 10 days. If I've called for help or some information, I spoke with an Embrace representative immediately and he/she was courteous and helpful. I wish my own health coverage provider was as helpful as Embrace...they can take lessons from Rambo's insurance company!!! This is money well spent, believe me!

I am in the health insurance business - but on the people side. When choosing a pet insurance, I did NOT want a scheduled plan such as VPI has. This type of plan pays a VERY small amount on what is typically a MUCH higher claim amount. The type of plan you want is the type of plan that Embrace offers - deductible and coinsurance based on the BILLED amount. My bluetick coonhound Georgie who is only 3 years old, was just diagnosed with a rare immune disorder (less then 2% of all dogs have it). I took her to Medvet which is a specialty hospital and the bill to diagnose her was almost $1300 with a follow-up visit of another $266. This didn't include the almost $500 I had already spent at my regular vet's office a couple of weeks before. I chose a $500 deductible plan with Embrace with reimbursement at 90% with the highest yearly maximum that they have ($10,000). I was reimbursed exactly as I should have been by Embrace. I did have to pay the deductible twice because my plan year runs 8/26 to 8/26 and my visit to Medvet occurred on guess what date - 8/26!! So be aware that you deductible is NOT a calendar year deductible (January to December) but a plan year deductible (when you actually take out the plan which in my case was 8/26 to 8/25 of the following year). The first claim did take about 4 weeks to process but the follow up claim was only a couple of weeks. Overall, I am very happy with the reimbursement. One thing to watch for though is continuing care