Embrace | Pet Insurance Review

We obtained Embrace pet insurance in 6/07 and are so, so grateful we did! They have paid promptly on his allergy problems and much more than we expected. But the amazing experience was when our 110# 'puppy' tore his ACL and had to have surgery. Our bill was $2950 and we were reimbursed $2600! Not only that, but they cover acupuncture and alternative health treatments. Between Embrace Pet Insurance and a progressive vet, Kodo is doing fantastic!!!! I tell everyone they not only NEED pet insurance, they need Embrace.

Embrace is my first experience with pet insurance. We had a minor claim, it was our first so Embrace needed complete medical records in order to process the claim. I failed to provide all the information needed, they contacted my vet and got the rest to complete the claim. KILLER SERVICE, above and beyond what I would expect. I recommend them wholeheartidly.

I have been very pleased with embrace pet insurance. Everyone is very informative, helpful and prompt with getting back to you with any information or questions you may have. I highly recomend embrace!!!!!!! It is a very affordable plan, with many options to choose from.

I was very hesitant to get pet insurance, but after having a poodle that lived to be 18, I decided it would be the best idea with our new Chihuahua. After reviewing the other insurances out there, I did the math and Embrace with 10% co-pay and a $200 deductible seemed to pay for itself with only 3-4 vet visits per year. I also added the Wellness plan, it's like getting $50 back free. Plus they have a lot of nice reviews and only one bad one that I could find. I received an email telling me that I needed a vet's exam to start the insurance coverage, so I thought "Oh boy, here goes! This is the FINE PRINT!" So I took Nutmeg in, and had the vet fill out the forms, as well as give her 2nd puppy shots. I submitted it, thinking that they would kick it back, because it was the initial exam. But to my surprise, they paid the entire thing! Quickly and with nice sincere emails that did not seem to be forms, but really written by a human. We'll see how it goes in the future, but they are starting out great.

We just had our female bulldog puppy spayed. Our policy with Embrace includes 'wellness' coverage, which provides $200 annual benefits for $180 in premiums. This was our first claim experience with Embrace, and included a policy adjustment (health insurance discount after spay or neuter). Both the claim reimbursement and the policy/premium adjustment were handled with perfect efficiency, including correspondence to ensure satisfactory handling before, during, and after processing. That sort of customer service is rare in my experience lately. Good work Embrace!