Embrace | Pet Insurance Review

I've never had pet health insurance before, but felt I might need it when I got 2 young kittens 6 months ago. I am paying extra for the wellness coverage--which just paid $200 each towards their spaying. These folks also get A+ for service--informative emails at every step and phone availability when I had a question

After searching at least a dozen different pet insurance sites, we found that Embrace was the only one that had really good dental and preventive/maintenance coverage in addition to accident & illness coverage options. It was super easy too - I chose my annual deductible, I chose my % co-pay, I chose the dental and wellness options I wanted...done. The only problem I've had is that a couple of my faxes/emails have not gone through. I had to resend them. I've been told that their system software is being updated and it should be fully functional soon though.

Pros:- covers illnesses some pet insurance plans don't - annual deductible - customizable plans - covers wellness - everything is done online Cons: - more expensive than other pet insurance plans - upgrading plans will make previous conditions pre-existing - considers dermal cysts and histiocytomas pre-existing - missed the attachment of Orthopedic Exam - phones broke down - took 7 calendar days to finally talk to and clarify an e-mail with a particular Claims Embracer who was always not at their desk. Claims they had phone issues. - took 29 calendar days (no holidays) to process my claim and they missed the attachment - took 34 calendar days (no holidays) to receive my refund

I hate to say it, but I was surprised when Embrace paid the cost of an eye surgery as the insurance company originally advertised! Not only did they pay the claim amount (minus deductible), but customer service was extremely friendly and contacted me to make sure I had received the payment. Thank you, Embrace, for doing what I paid the insurance premiums for!!

they seemed really disorganized, kept promissing to folow up and never did. paper work ended up in the wrong department and I had to resend to get it to the right department. I gave up trying to get the full claim covered