Very disappointed in Embrace

Out of 10

I have never used a pet insurance. My Vet recomended Embrace and another insurance company. We decided on Embrace and I am very disappointed in my claim results. My claim was for $958.11 and they only will emburse me $327.36.The reason that people get insurance is to help with the cost of vet bills in an emergency. I felt that my total bill should have been covered. I might start looking for a new company.

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colitis, pancreatitis
Claim Amount
$500 - $1000


Age of Pet
1 - 8

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Posted: 12/01/2010

I hear you Christine. Of the $958.11 claim, $909.20 was covered (the difference being take home drugs that you didn't pick coverage for). Since you chose a $500 deductible and a 20% copay and no drug coverage, you pay a nice low premium of $232.38 a year for your policy, which really is a great combo for "major medical" or emergency coverage. Now you have satisfied your deductible for the year, any new claims will only have the 20% copay applied until you renew in February.