Embrace | Pet Insurance Review

We recently brought a new dog into our family. Neither my wife nor I hae ever owned a dog before. We heard from a variety of people that we needed to get health insurance for our new addition. After doigng some research, we decided to go with Embrace because of their good reviews and reputation. Well, now that I experiecned their helpfulness and efficiency first-hand, I am grateful we made the choice to purchase an Embrace policy. We recently submitted a wellness claim for reimbursement and it was refreshing to realize how easy submission was and how quick we received our reimbursement. Keep up the good work Embrace!

The dealings I have had so far with Embrace have been very positive. Customer service reps have been very nice & pleasant to speak with. The claims dept kept me informed of my claim status and so far I am pleased with Embrace insurance.

Actually bought this policy to combat Murphy, you know, the guy with all the "laws". Have not needed this as much as we thought in the first 5 months, so that is good but we did have a few claims which have simply been applied to our deductible which we haven't met (yet), but I'm waiting for that next injury with my active dog that will cost me $500. At that point, I can give full accolades of coverage. We did do the extra paperwork neceassry to waive the 6 month ortho report, this was simple. However, we had to go back and forth a couple times with the Embrace team and our Vet to clarify some conditions that were at first deemed existing or re-occuring conditions that would not be covered. Once we had this cleared up, things have been smooth. I recommend that you follow up with Embrace and your vet promptly if you see any restrictions put to your policy. Often the evaluation from Embrace is based on literal words on reports and appeared to be taken out of context. Our vet had to clarify illness reports.

Opted for the wellness plan for our pup, knowing that with vaccines & spaying would easily hit > $200. Received our check for $200 (max/yr) within 7-10 days of submitting. Great service!

Can't believe I am about to wax poetic about an insurance company (aren't they the bad guys?) but here goes-- Reasons to use Embrace: 1. Transparency. Send them your dog's medical records and they will tell you what they won't cover. If you don't like the result they will refund your first month's premium, so you know ahead of time what won't be covered. There are no hidden schedules of "customary charges" that you are not allowed to see. Send them a vet bill and they send you the percentage you paid for with an explanation. And oh yes, you get a real person's name to email or talk to if you have a question. 2. Customer Service on every level. They email you when they have received the fax from your vet or from you with the claim. They email you when they have examined the claim and tell you what amount will be reimbursed with it broken down (in English not insurancese) and when they will send the check (within 15 days so far). 3. They actually send the checks when they say. 4. Above and beyond: Embrace recently emailed me to ask if I had received a check (I had not emailed them).I had not received it so they informed me that they had reissued the check and gave me the date when to expect it. Several days later a hand written note of apology and a $5 Starbucks gift card arrived as they had apparently been having a problem. The new check arrived promptly thereafter. Who does that? 3..Flexability: choose your pet's plan (and if the rates seem higher than some other plans check whether those plans pay on the actual vet bill or not. You get what you pay for).