Embrace | Pet Insurance Review

I have used pet insurance in the past (for my horses)that has saved me many times but had never had insurance on my dogs. I have had my two doxies insured with Embrace for about 4 years now and have recently had to submit a claim for one of my dogs that had a slipped disk in his neck due to an accident. I had to take him to a specialty teaching vet hospital that had a neurology dept. I had the plan with a $500 deductible and then they pay 90% with a maximum coverage of $10,000. The total bill was almost $5000 and the only thing that they didn't pay was the prescription meds because I didn't have that extra coverage under my plan. The claim did take over a month to process, but they kept me informed through email apologizing for the delay and assured me that they were working on my claim. The reason that I chose Embrace was because I had researched the many companies and Embrace had the best reviews and the least problems covering claims.

Great communication from support staff, always felt like I was in the loop. Great customization options in the plan I put together. Wished there was a quicker turnaround time for claim reimbursement.

I'm very happy with this company thus far. Embrace's level of coverage is among the top I've encountered in pet insurance. With a pure-bred dog, I was excited to find an insurance company that did not exclude breed-specific conditions or that essentially considered having a pure-bred to be a pre-existing condition. Plus, Embrace was up front from the get go about what would be considered a pre-existing condition so that there wouldn't be any surprises on down the road. I really like the WAY that they handle claims, too. Scheduled plans really rip you off (ie VPI), and I am happy with Embrace's flexible coverage (you can choose your deductible, maximum coverage, and percentage to be reimbursed). All in all, I only have good things to say about this company. Whatever company you choose, I strongly warn you against choosing a pet insurance company that a) has a scheduled plan, b) will not cover breed-specific conditions, and/or c) will consider a claimed condition from one policy period to be a pre-existing condition in the following policy periods. Thanks for being an honest and fair company, Embrace!

Our dog is now recovering from the second of 2 ACL surgeries. We have been very pleased with the customer service we received. Our questions have been replied to very promptly. Our only complaint was the length of time it took this time for reimbursement but that was apparently due to a new system being implemented. I would use Embrace again for future pets and recommend it to others.

It was a pleasant surprise to receive three checks for my dog's surgery and the follow-up. The process was easy and took very little time. Although it took a while to receive the checks, Embrace kept me informed of progress via email so I could focus on other things, like Daisy's recuperation.