Embrace | Pet Insurance Review

Embrace has completely denied claims for totally unrelated allergies that my dog has had, because they treat ALL allergies as being the same. Even when my vet called them to explain that the past allergies and the new one were completely unrelated (sort of like the difference between having hay fever versus being allergic to onions), Embrace still said no. Then when my dog had a yeast infection in her ear, they denied the claim saying that "Allergies increase the risk of secondary skin and ear infections and is the reason we cannot provide coverage for the claim". Wow!! Buyer beware!!! It appears that Embrace will do whatever they can to deny claims. I was really hopeful, but now I am most disappointed.

As an insurance-free pet owner for many years, I worried that purchasing policies for my Cavalier puppy and 7-year-old cat would turn out to be a waste of money. I couldn't have been more wrong: They have paid for themselves many times over due to a few emergencies I certainly hope will not be repeated. When you're in the already horrible, scary position of having to treat a sick pet, it is such an enormous comfort and relief to know that price does not have to be a primary factor. (Because let's face it: Most of us will do whatever is necessary to save and care for our animals, regardless of cost.) Best of all, every single interaction with Embrace has been an absolute pleasure: The staff is courteous, professional and kind. I couldn't be more pleased with the overall experience. I hope I won't need to use it again, but I'm so glad that it's there.

Everything can be sent via fax or e-mail - so convenient, compared to regular mail. We submitted wellness and illness on the same receipt - Embrace sorted it out for us, with just a request for the illness claim form. We then had many receipts, because our girl dog had emergency surgery for a perforated intestine, peritonitis and sepsis, and lymphoma. We could barely keep the receipts straight (let alone worry about insurance claims when our dog was so ill). Embrace sent e-mails to notify that they received the claim. Then they sent e-mails to update that the claims were being processed. Then they sent the reimbursement e-mail, with detailed explanation of payment, and a running total. This was far easier than human medical insurance claims. The direct deposit option is outstanding - complete turnaround for claim review and deposit was under two weeks, so we could pay the credit card in the same billing cycle. We are so grateful for the exceptional service, and caring human beings. My vet had the Embrace flyer, which is how I learned about you.

My 5 month old golder retriever needed surgery to correct a growth plate fracture on his left leg. Embrace processed my claim in a matter of days and I received payment in under a week. The customer service and response time was very fast friendly and professional for any questions that I had. The most important part was there were no surprises when it came to the reimbursement. I was reimbursed based on the plan that I signed up for. I would highly recommend embrace.

I just received an awesome news today. I filed a pre-certification for a root canal on my Italian Greyhound. He chipped his back molar and the live pulp was exposed...I needed the help quickly. This precertification was not supposed to be straightforward since they usually don't cover root canal except for canine teeth. However, one of the representative on the phone told me to at least try to file for it with the dentist's letter for justification. To be honest, I didn't have much expectation. I thought they'll just go by the books like any other insurance companies. Boy, I was wrong!! All representatives I talked to were so sympathetic for my Lucious and extremely helpful. They have expedited the decision process when I mentioned that the infection can spread further if we wait too long. Reimbursement is always fast too. I just love this company and the caring people who work for Embrace. They are sincere, polite, and extremely helpful. I feel safe with Embrace. I definitely recommend them to anybody! I gave 9 only because when I call to talk to a specific person I tend to get somebody else because the person is unavailable. I just have to explain the situation again, but it doesn't matter much since everyone overthere is so nice!