Embrace | Pet Insurance Review

Well, so far very few of the services I've needed for my dog have been covered. I hesitate to submit my claims because I know I'm going to get the form letter saying how sorry the company is to give me the news that nothing I submitted will be covered. The services either took place before meeting my deductible or were considered "pre-existing conditions" which is extremely frustrating. Not sure it's worth the money, may consider just creating a savings account to cover future expenses.

Embrace is a gem. They stand behind their promises made in their quote and policy wording. Their claims handling process is personal (I wish health care insurers treated policyholders the way Embrace does). I had VPI for two years and they didn't pay a penny in clams. Now THEY are like health care insurers; always finding some reason to deny. My vet was shocked and kept urging me to switch to Embrace based on experiences of her other clients. I'm glad I did. I studied hard about Embrace before switching and this website was quite helpful to me in making the switch. My advice to everyone - READ THE QUOTE VERY CAREFULLY and ask questions, lots of questions, and get the answers in writing. An insurance policy is a promise to pay for a covered loss and Embrace does just that!

Our first claim was handled quickly and professionally. I was pleased with the service and the follow up from Embrace. I am very pleased I chose Embrace.

Our Cavalier King Charles Spaniel recently had bladder surgery, which was quite an expensive venture. We were so thankful we had insurance coverage, since forgoing the procedure was not an option. Throughout the entire process, the staff at Embrace was so kind, understanding, and easy to work with. The pre-approval process only took 2 days, and all of my email correspondence was responded to promptly. I really dislike dealing with health insurance for myself, but dealing with Ruby's insurance company was actually a pleasure - simple and straightforward. I recommend pet insurance to all my friends thinking about adopting a dog or cat, and now I will make sure to mention that they go with Embrace. Thanks again for your service.

I recently submitted my dog's first wellness claim results via email to Embrace and a day later I heard back from a representative that the claims were accepted and to expect reimbursement within 10 business days. I was shocked at how quickly it was processed but more importantly how quickly it was acknowledged.