Embrace | Pet Insurance Review

I did a lot of research on pet insurance companies when I got my first poodle 5 yrs ago after running up thousands of dollars in vet expenses. At the time Embrace did not exist or I could not find them anyway. I went with AKC healthcare- figuring that the AKC would pick the best of what was out there. I have not particularly had severe problems with AKC except it takes forever to get my check. In Nov I added to my pet family with another poodle and before getting her I again researched pet ins. By this time I had heard of and recommended quite a few times Embrace to my auto/home insurance clients after learning they were a new and local pet insurance company. I also could have gotten a good discount with another company thru my employer for their pet insurance but I did not like what I saw with that company. I decided to take my OWN ADVICE -I had been dishing out for years to my customers- try Embrace. I am soooooooo glad I did from the very first phone call Kate was incredible and so helpful. I got my refund check back in record time. My only small snag was somehow my bill/receipt which I had sent in mail with claim form, ortho waiver form and previous treatment info got seperated and lost- they got the rest of forms but not the charges. I got a nice email promptly from claims telling me this was missing and I called vet to fax another one over to Embrace which they did immediately. Voila' claim was processed very quickly- Embrace sent me a copy of endorsement to my policy giving me the microchip discount and approving the ortho waiver of 6 month waiting period for my poodle. My one big regret is that Embrace was not around the first time for my original poodle and I now can not transfer her to Embrace because of her pre-exisiting conditions- although I am still wondering if I should and just pay for the pre- ex conditions out of my pocket. FYI I am still waiting for check from AKC- claim was sent same day for my first poodle- they did send a letter saying they received claim and would address it within 15 days(which it has now been over)so yes I am thrilled with my Embrace experience. Please give them a try you will be glad you did. Pet insurance is sooooooo important!!!! I was so happy to have it on my first poodle when she got ill from the recalled dog food that the Chinese added melamine to. Had Embrace been around when she was a puppy then too they would have covered her 2 knee surgeries too that were congenital likely- NO OTHER Company out there would have done that. Embrace is #1. Thank you to all the "Embracers".

I AM MOST UNHAPPY WITH YOUR DENIAL OF MY CLAIM.MY MALTESE WAS RUNNING A FENSE LINE WITH MY TWO GERMAN SHEPERDS AND WAS BITTEN IN THE BUT.i DONT BELEIVE THERE WAS A DOG FIGHT. I WOULD OF HEARD A DOG FIGHT. THERE WAS ONE YELP AND THE MALTEESE CAN INTO THE GARAGE AND STOOD BY THE DOOR. I DID NOT WITNESS ANY THING THAT ACTUALLY HAPPENED. THESE DOGS ARE TOGETHER DAY AND NIGHT AND THIS IS THE ONE AND ONLY INJURY MY MALTESSE HAS RECEIVED. I THINK HE WAS JUST IN THE WAY AND GOT GRABBED IN THE BUT. HE WEIGHT 6 LBS MY SHEPERD WEIGHTS WEIGHS 100LBS. THERE WAS NO FIGHT OR MY 6 LBS MALTEESE WOULD NO BE AROUND

We are now into our second year of insurance from Embrace for our labrador retriever mix, and could not be more pleased. We have had two occasions to date to make claims and both times the response has been prompt, professional and personal. This is our first time using pet insurance, but it's hard to imagine any better service.

My vet recommended Embrace for our new dog and I'm happy that I took her advice. Our first interaction with the company resulted in a super-fast turnaround of our wellness claim, along with quick processing of our dog's orthepedic waiting period waiver. I received a prompt, personal email that both were received by the company and were being worked on. Then I got a follow-up checking to see that I got my check! Just great work. Keep it up!

I have never had health insurance for my pets before. A few years ago my Frisbee had a torn cruciate ligament, needed surgery and I was completely broke at that time. $2,500 was way out of my league financially, but I managed through an online website to raise enough donations to pay for the surgery. After that, I knew I needed insurance for my dogs so I would not have to go through that again. I researched many insurance companies and they all pretty much said the same thing, there were breed specific exclusions and things like that that did not make much sense to me. Then I found Embrace with no exclusions except routine care. That made sense to me and I bought it. Almost two years later Frisbee came down with cancer and Embrace has been behind me all the way. They reimburse payments within 15 days as they said they would and it is even automatically deposited into my checking account. Through this tough time Embrace and their representatives have been wonderful. I highly recommend Embrace to everyone who asks and lately that has been many people because of all the quality care I have been getting for Frisbee everyone wants to know how I am paying for it, since I am on disability and all. I am glad I did not cancel my policies last summer when I was trimming down my budget, this was the next thing to go and I kept it. Thank God and thank Embrace and thier representatives.