Embrace | Pet Insurance Review

Though there are some growing pains while the staff learns more about Homeopathy, I appreciate that this company accepts alternative veterinary care. My vet integrates Eastern and Western care in her practice and it is so nice that I have coverage for both. Claims are handled very quickly and I can always reach a real human being with questions!!I am hopeful that the staff will become more fluent in more alternate modalities; but they are certainly leading the way in veterinary insurance as it is.

I am so grateful to have Embrace as my pet insurance provider. As much as I hate to see my puppies get sick; Embrace has always completed my many claims in a timely manner. They are very knowledgeable and always follow up.

The whole point of insurance is to have that comfort to know that in an emergency, you know you are covered (minus your deductible). Our dog ate something that really messed her up in the worst way. 24hrs of witholding food was still resulting in her vomiting water. So we took her to the emergency vet (since it was evening). She was very dehydrated and exhausted but ok, they sent her on her way and we thought, good thing we have insurance! Well, we submitted the claim within two days after her visit 2-6-12, and it took until 03-21-12 to finally get to our claim and let us know the coverage of our dog. A really long time for us to have to shell out our own money and wait, but in the end they came through.

Embrace is very easy to file a claim with. I keep a form in my office and bring it with me to each vet's visit. However, I do feel I pay a substantial amount to have this insurance, yet it doesn't cover everything such as medicine they give the pet at the vet's office, or dental problems. Not this particular claim, for my dog's corneal abrasion, but my dog had a bleeding from her sinus tract and I took her to the vet and it was not covered as they "suspected" it was a tooth problem. I just don't think that is right! She still had a problem and it wasn't even determined if it was from her tooth as she didn't have it pulled. It could have just been an abscess

I'm continually impressed with their coverage, timeliness in response and communication. I get emails when claims have been received, when a check is going out, and a pdf of the reimbursement detail. If I have a question someone gets back to me with 24 hours. Health insurance may seem silly for a pet but they can cost as much as a human to treat (or more). The financial advantage of pet insurance has far outweighed the premium cost.