Embrace | Pet Insurance Review

Best wellness benefits out there especially for your first year when you are paying for lots of vaccines and neuter or spay. Spend $299 and get $400 in coverage just for wellness and it doesn't break it down by category as lots of other companies do. Instead of $15 for this shot and $30 for this medication, it is just $45 of reimbursement and you get to choose how you use it from vaccines, to monthly medications, to surgery. Very flexible and easy. Have not made a injury or illness claim yet but the refunds for wellness have been quick and painless. We did a lot of research and this is the best value out there.

After paying for Pet Insurance for the "just in case" event, the just in case finally became a reality. My Tucker had to have surgery on both hind legs for torn cruciate (the equivalent of ACL tear in humans.) The surgery is expensive and without the insurance it would have created financial difficulty for us. Embrace processed the claims quickly and even followed up with e-mails to check in on Tucker's recovery progress. If only my own insurance company was so efficient.

My dog, Daisy, was diagnosed with the start of a herniated disc in her back after her normal vet sent her to a specialist. The poor thing was in such pain, and the comfort I felt knowing she has Embrace took all of the normal stress that I used to feel with my other dog who didn't have insurance away. Just hearing the word "specialist" makes you cling to your purse a little tighter because you know it's gonna cost a fortune. Not only did Embrace reimburse my payment to the specialist, but also to her regular vet without a problem. It was directly deposited into my account within 24 hours of approval! It looks like we caught the problem before she needed surgery (She's mostly crated through the day, I carry her up & down stairs) but I know that even if she did need an operation, the cost would be the least of my stress thanks to Embrace.

Good things only need a few words...In the case of Embrace the only word I can find is TERRIFIC !!!!

I am generally pleased. Most claims are covered. The staff are particularly good at providing prompt acknowledgement of a claim receipt and in providing status updates. Payments are usually very prompt once a determination has been made as to what is covered. All the emails I have received have been very courteously written in addition to being informative of status or request for more info. My one frustration is that I have had to go back to the vet to ge more documentation when I thought the invoice, or what the vet office wrote on the claim might have been sufficient.