Embrace | Pet Insurance Review

The positives are that they have excellent customer service and are much better than VPI. The reimbursement by reasonable and customary is much better than a set fee. Negatives: I signed my dog up for insurance the day we picked him up from the breeder. Unfortunately the breeder was giving him his immunizations and he wasn't due to go to the vet for 3 weeks. When he was at his first appointment, he had a little diarrhea and was diagnosed with colitis. Which is now considered a pre-existing condition DESPITE the fact that it was after the waiting period. Puppies get diarrhea from time to time, I'm just afraid all GI related diseases will be excluded... The claims process took FOREVER, I think it was 16 or 17 business days (a MONTH to get a check) after filling my claim, after countless phone calls. They did end up covering the expenses of a subsequent ER visit. However, there was a great deal of anxiety over if it would be considered pre-existing. I had to fight the vet to take my dog home sooner because I was afraid I couldn't afford the visit. I bought the policy early to avoid they anxiety of pre-existing conditions and that certainly was NOT the case...

I leave a supply of claim sheets with my vet's office and just have them complete and fax when I pay for the visit. The form is quick and easy and I get an email within a day or two confirming reciept!

I have had our dane pups covered with Embrace for a few months now. They are prompt with communication. The have answered all my question completely and professionaly. Reimbursements on claims have been simple and prompt. So far I am satisfied with them and feel I made the right choice. I have had decades of experiance with insurance companies of all sorts - I am keeping my fingers crossed that my experiance with this pet insurace will remain positive.

I recently had my 13 month old Bulldog spayed and was happy that Embrace covered $149.20 towards it. Her Wellness Plan would have covered $200 had I not already used $50.80 on her annual physical and rabies vaccination. As a breeder of Bulldogs I highly recommend Embrace to the new families of each and every puppy that I sell. I had AKC Pet Healthcare Plan for two years before switching to Embrace. All I can say is what a difference!! Embrace's customer service continues to exceed my expectations. I currently have all FIVE of my Bulldogs EMBRACED and the peace of mind it gives me is priceless!!

I haven't had any problems with Embrace. I'm a new customer and my puppy is a baby, so I pray for his continued good health and look forward to gret experiences with the company.