Embrace | Pet Insurance Review

Having had pet insurance 10 years ago, we were skeptical of jumping in again. But having 7 dogs (yes, 7) we figured why not try it - esp since our 9 yr old Bernese Mountain Dog just went through a $10k+ back surgery and we paid out of pocket for it. Had we been insured with Embrace, we would have only paid about $2k for it. Since insuring our eligible dogs, one of our guys was diagnosed with mast cell cancer and Embrace has been a godsend. Suffice it to say, we are demanding people and I own a small business so I know from customer service and delivering on what I promise - Embrace has it down and I'd recommend them to anyone.

Embrace realizes the importance of " taking care of the customers needs" in a very timely and responsive manner whether it be claims processing, policy questions or general info regarding your pet. I have researched and have had other pet insurance companies in the past but I can truthfully say that none of these can compare to my overall excellent experience that I have enjoyed with Embrace over the last 4 years. I would highly recommend Embrace to anyone who is looking for high quality professional and responsive care for their beloved pet !!!

The response time was a little slower than we expected, but once I reached out to Embrace, the communication was quite good with quick responses to my questions. The whole process from our dog getting ill to my getting a reimbursement was about a month, which isn't a bad turnaround in my opinion. The insurance covered everything, as expected, and once the claim was submitted it was really very easy.

My one year old dog came from rescue. I had taken him to my vet within 48 hours as required by rescue. Embrace has refused coverage for ONE YEAR on the following: anything related to vomiting, skin conditions and worms ... their reasoning - my rescue dog was treated by my vet for those ... well, he's a rescue, he was found living in a barn, standing in his own urine for almost 12 months! So yeah, I have taken this VERY personal because I have tried to do right by and for my dog ... how dare they and I will tell anyone I can to avoid embrace, especially if you've got a rescue.

I've only been with one pet insurance company, and that's Embrace. After carefully weighing the pros and cons of several pet insurance companies, I decided on Embrace because of their coverage, variety of plan options, and their customer service reviews on other sites. While I haven't submitted many claims, Embrace gives me peace of mind. The Claims Department is very responsive, curteous, friendly, and understanding. They even accepted a late claim when I discovered that a friend who took my dog to the vet while I was out of state for a family member's wedding hadn't submitted the claim because he thought the vet did that. Sometimes I wish that more items were covered in the plan I selected, but there are several options available and if I wanted to pay more monthly, more items would be covered during the visits. For me, it just isn't cost effective with the few claims I've had to make so far. I really like knowing that Embrace will be there when I really need it. Their direct deposit option for claims is fast and convenient too! Overall, I have been quite pleased since July 2010!