Embrace | Pet Insurance Review

One of our dogs ate a pound of chocolate covered raisins that I left with them in the car by accident. Because we didn't know which dog was the culprit we had to put them both in the after-hours emergency vet. We have and Embrace policy on the one that actually ate the goodies (based on induced vomiting and diarrhea). We submitted a claim last week and were informed to day that we would be getting a payment that was exactly what was outlined in the policy. Every aspect of this situation, AFTER the crime, was handled professionally and with compassion. Nice job Embrace.

Embrace has been a great pet insurance so far! I have a 9 month old Goldendoodle who tends to eat anything on the floor and had to get a full set of x-rays a month ago. He ended up only having a stomach bug, but after my deductible, Embrace covered the whole thing (with his medications-- I highly recommend getting the drug/dental extension). I am very happy with my decision to sign up with Embrace. I'm a medical student and can be found on Facebook, so you can be sure that I don't work for Embrace.

I am very satisfied with the quick reimbursement from Embrace regarding my wellness plan claim. I purchased the $200 wellness plan, and all the annual wellness exam/procedural vet fees were accepted and reimbursed up to that amount. I am still working toward reaching my $500 deductible for the certificate of insurance accident/injury plan so can't comment on the results at this time. My back-and-forth e-mail communication with the Embrace professionals has been more than satisfactory as well.

We have used Embrace for a year and a half and very much appreciate the responsiveness of the staff. They acknowledge the receipt of claims and then process those claims expediently (one to two weeks). They don't send "generic" emails loaded with jargon, just simple, direct communications about the status of the claim. The Wellness plan supports preventive care and provides more peace of mind. The reason I rate them 9 instead of 10 is that they do not cover genetic conditions particular to your breed. I only know of one other insurance company that does, but I have been so pleased with the professionalism and personal touch at Embrace, that it would take a lot for me to switch.

With our Murphy we received timely response on his health care claim. Although I'm a little disappointed with Cody's claim which I felt should have been taken care of already (guanranteed it was faxed over the Thanksgiving holiday which I think the claim center was closed that Friday) but I should have heard something by the 17th and still wainting.