Embrace | Pet Insurance Review

This is my first experience with Pet Insurance, and so far, I'm very pleased. They don't have the integrated website features that other companies have, but this is more than made up for with the very responsive customer service. Claims are processed fairly and in a very timely manner. I recommend Embrace to anyone looking for a pet insurance company. Unfortunately Embrace isn't licensed by the state of California, and I had to sign a waiver acknowledging this. But I feel comfortable that Embrace is a solid company, and not very concerned about that. The Wellness plan is a good idea if you plan on spending over $200 a year (including any medications). You end up saving $50 there automatically, plus you can get up to 20% off your plan with a) a 5% promotion code, b) paying premium in full (5%), c) your pet is neutered or fixed (5%), d) your pet is microchipped (5%). It's also an Ohio-based company, and people in the midwest are usually very courteous and pleasant to deal with.

Last year, my 2-yr-old Chihuahua was treated for an insect bite at a vet and I filed a claim. In their defense, the claim process was smooth. When the renewal notice came recently, the premium had practically doubled. They cited several reasons such as inflation(huh? I thought what we experienced over the last year was closer to deflation and inflation), claim patterns, etc. I am so switching back to another company we used to have.

All transactions with Embrace personnel have been pleasant. They notify each step of the way. As for claims, over the last 2 yrs. I've had to send claims back for review a couple of times. Also in checking around similarly priced plans/benefits, I notice that most other insurers have $8000-$9000 yearly maximum while Embrace is $5000, I wasn't happy about that.

I never thought we would pay for pet insurance, but when we got our 5 year old English Bulldog "Phoenix" from her original owner last December she urged us to look into pet insurance. She had just switched over to Embrace for all of her Bullys and highly recommened we seriously look at the coverage. I am so glad we did! We took Phoenix in for her Ortho check up and it was discovered she had a mammory tumor. We submitted the claim and the claim was paid within 15 business days. In May I submitted another claim for Incontinence, which took a little longer to get paid, but the claim was paid. We are so happy with Embrace and will continue to recommend to all.

I have been a new member for almost a month now for two rescue dogs. Not only have they been upfront about what they will and will not cover (and it is fair), their customer service has got to be some of the best! I get immediate confirmation of my claim submissions and very prompt returns of benefit payments. My dogs have had a few unforseen problems since the adoptions and Embrace has covered everything allowable under my plan quickly and completely. I reserved judgement on them until now (I did give them a preliminary review when I first used them) but I now have enough experience to say I would highly recommend them to everyone!!!