Embrace | Pet Insurance Review

I recently enrolled my three pets (a dog & two cats) in Embrace Pet Insurance. I added the wellness option to cover yearly exams. The next month, I took my pets to the vet. Within two weeks of submitting the claim, I received payment for all three. Additionally, I would say that I have had several interactions with customer service by phone and through e-mail. The contacts have mostly been to either resolve my questions or to ask for more information about my pets. The customer service has been efficient and well organized.

This is by far the best pet insurance out there. Every question or concern has always been addressed within hours; claims are processed within days and I've never been frustrated by an explanation of benefits. I highly recommend Embrace to anyone who asks me about pet insurance.

I had purchased the wellness plan to help cover the cost of spaying my pet. I look forward to using this feature to help cover medicenes and vacinations that will be needed in the future. This is my first experience with pet healthinsurance, I expect a good positive relationship with Embrace.

The response from my vet when I submitted Embrace's "pre-certification" form for my dog's expensive knee surgery (Medial Patella Luxation) says it all - they had never seen a Pre-Certification form from a pet insurance company!! I can't imagine paying the $2,500+ without knowing what, if anything, would be covered. All if my communications with the staff at Embrace has been very thorough and timely which is much appreciated as well. I find myself recommending Embrace to people at work, on the street, anyone with a pet really. Big thanks to Embrace from Rocco and me!! His quality of life has improved significantly with his 2 new knees!! :)

I just received an email from Embrace letting me know that the first claim I submitted will be covered. I was a bit skeptical about pet insurance and feared I would have to fight for coverage with each claim, but I am very pleased with my experience with Embrace thus far--particularly as my pup's injury was the result of my dinner prep! My girl loves to lie at my feet as I cook and in a moment of just plain bad luck, hot water spit out of a boiling pot and landed in her eye causing major swelling and irritation. I received an email confirming receipt of my claim within hours of visiting the vet and was given a coverage decision in 10 business days. I chose a $200 deductible and the cost for this visit was only $120, so it was simply applied to my deductible. We'll see what happens when I require an actual pay out, but I am hopeful that I will continue to have positive experiences with Embrace. I appreciate the monthly emails, Facebook page with daily tips, and friendly communication. Overall, Embrace seems to be a company filled with people who care about animals and their jobs. Thank you!