Embrace | Pet Insurance Review

I have been a customer at Embrace for about two years, insuring my two year old spaniel mix. We chose only to cover illness and accident, and luckily have not had to use it until our dog scratched his cornea in November. The reimbursement process was extremely straightforward and timely, and I couldn't be more pleased.

We have had insurance with Embrace for 2 years now, and can say that the company is extremely prompt and efficient in processing claims. Good email communications and follow-up. Wellness insurance is a real bonus and I suggest that the company create a separate Wellness claim form. Highest recommendations.

I was very pleased with the fact that it took 10 days from the office visit to the time I received a direct deposit for meds. What I am not happy with is the fact of how they treat "pre-conditions" We adopted our stray dog on 11/19/10, no medical history at all for him. Took him to his first vet visit and he had some problems. We purchased the insurance on 12/5/10....obviously couldn't get it BEFORE we adopted him.....See the emails below and my response.... #1. 12/23/10 Regarding your claim - "Recheck Ears" - with Claim Amount $66.00 for dates 12/20/2010 12:00 AM to 12/20/2010 12:00 AM "Hello Sharon, Thank you for faxing in Peanut's claim documentation, which we received today. When I reviewed Peanut's claim, I noticed that the vet visit for this claim occured in the 14 day waiting period for Peanut's coverage. Unfortunately, this means the claim you submitted is not covered by your policy. I am sorry this email does not bring you good news and I am disappointed that we could not provide benefits on this claim. I look forward to providing you and Peanut other benefits and services in the future. If you have any questions regarding your claim please do not hesitate to contact me. Thank you for choosing Embrace." 2. 12/23/10 "If I purchased on the 5, starts the 6th with a 14 day waiting period, it's effective the 20th, correct? So how did it occur in the 14 day waiting period?" 3. 12/27/10 "Good morning Sharon, Sonya has passed your email onto me hoping t

Our dog ate a pound of Chocolate covered raisins and spent the weekend in the doggie ER. Our Embrace policy covered a significant portion of the bill and the service was excellent!

GOOD REIMBURSEMENT. This current reimbursement was about half of the bill I submitted. My dog had a severe sytemic allergic reaction to an insect bite. This made me VERY happy and thankful that I carry insurance. GREAT CUSTOMER SERVICE. Claims are always followed up with a personal email from Embrace, acknowledging receipt of the claim, giving an estimate on the time for review, and when to expect reimbursement. I like the fact that a real person actually looks at the claim, and then gives me enough information about what to expect from Embrace--so that I'm never left hanging. Also so much appreciated is the genuine expression of concern about how my little fur-buddy is getting along following the medical problem.