Embrace | Pet Insurance Review

Our beloved dog Hazel died within about six weeks of signing her up for health insurance. We took her to the animal ER and she never came out--but we got a $2,000 bill. While Embrace took awhile to get us an answer--18 business days, when they promise 15 days, they paid the claim (minus the deductible). We were super surprised, though they would deny it due to ER or due to it being so soon after we signed up. Got a new dog, Bowie, and will buy pet insurance again through Embrace.

they review your claims and process them quickly. you get what you pay for , that is more than any other insurance. they are courteous, helpful and prompt

Embrace was recommended to me by a food friend of mine, who is also a vet. I have been very impressed with Embrace, mostly because I deal with actual people who email me with explanations. If I email back with a question, they answer it. Real people, not departments, not passing the buck, not a telephone service with prompts. What a novel idea!

When I researched Embrace 2010 and decided that they offered a very complete insurance policy including Dental I decided it would be the best signed up and payed. Well I'm glad I got pet insurance, because my dog has had soo many issues. New policy for 2012 eliminates Dental you can buy a wellness plan if you pay an extra $299 with a $400 limit for dental issues. Which works out to $101.00 woppie savings big deal you don't use it you lose it too. Most dental proceeders cost more than $400 anyway. Now I'm stuck with this insurance company because of course most insurance companies will not take preexisting condition!So beware it might look good one year but they hook you and take it away. Also they make it so hard to file claims if you forget to dot the I. My thought on this is more difficult to file claim the insurance company is hoping you will give up so they don't have to pay.

I got Embrace pet insurance when my cavalier king charles spaniel was a puppy. The breed is known to have many health problems. Embrace has covered all of her health issues. I couldn't be more pleased with the quality of their service. I get reimbursed quickly and they even send me e-mails that notify me when the checks are sent out. I no longer hesitate when I need to take my dog to the vet. I know that I will be covered by Embrace.