Embrace | Pet Insurance Review

I really wanted to use this company and my vet complied with all of their paperwork requests by sending complete medical records. I hadn't even submitted a claim when I started getting contacts from claim adjusters nitpicking the files and creating pre-existing exclusions for the pets. If you took your animal to the vet for anything other than routine shots in the past, it's a pre-existing condition, even if it was a minor matter and you were being proactive with your animal's care. The experience honestly confirmed all of the negative things I've heard about pet insurance companies, and Embrace is supposed to be one of the best. I'm going to take what I would have paid in a premium and put it in a segregated savings account, continue to take good care of my animals, and avoid the frustration and bureaucracy posed by pet insurance. I will write off the loss of $200 in premiums as a lesson learned.

Having been burned by pet insurance before, I was skeptical about trying it again. I read a lot of reviews and information before choosing Embrace. I'm very happy with my decision. The response time from customer service is excellent. In one case I submitted an incomplete claim and Embrace followed up with out vet without me even asking. AND - they have paid my claims far more quickly than I expected.

Very satisfied. Claim handled in a timely manner. My other Pet insurance company took at least 1 month to settle claim. Customer service employees very courteous and friendly.

I LOVE Embrace! Kava (my jindo) was hit by a car, and I was so thankful for Embrace covering all of his bills. Embrace is simple, reliable, efficient, and most of all - trustworthy... Thank you Embrace!

We've been with Embrace since 2009.Our little Doxie Zuzu wouldn't want any other pet insurance company (neither would her human-companions) helping her to remain healthy and happy. Having a Vet you know, trust, and use for your pet's primary health needs is essential. Having a pet insurance company that truly understands this and sticks with you every step of the way is the next most important thing; Embrace does just that. Luckilly for Zuzu, she hasn't had any relapses in her health since a benign mass was discovered in her spleen two years ago and needed to be surgically removed. Embrace, despite our being very new to their insurance, didn't hesitate to review her case and cover the costs at close to 90%. While we would have paid out the money to Zuzu's vet in a heartbeat (because we can't attach a price tag to our love for her), it was a couple thousand of dollars!!! Embrace made sure we could focus on Zuzu's well-being and recovery, not on our bills and finances. That was huge relief and very appreciated. Today, we continue to get Zuzu her routine annual wellness check-ups and keep her up to date on heartworm testing and vaccinations. Embrace's wellness plan covers a maximum of 200$ annually per policy period for this type of health maintenance. That's a tremendous relief on our wallets, and we have the peace of mind that Zuzu is being taken care of as best as possible. If you're shopping around for first-time pet-health insurance or perhaps you're cons