Embrace | Pet Insurance Review

Having a Wellness component in my Cairn Terrier's health insurance is kind of like having a savings account in that you know you will spend that much every year. In Skye's case we have $200 in wellness. Last year we used it to pay for office visits and flea supplies. This year it went towards Skye's spaying. Their service has improved greatly since being going through ownership transition. This claim was payed within a week and a half of her operation.We had an ex-ray earlier this year because Skye ate something that caused gastric upset. She had no obstructions. The $250 charge was applied to Skye's deductible so I can't really comment on payment on claims from major illnesses, knock on wood.

I have been so happy after taking out a policy with Embrace on my adorable Labradoodle puppy. I have been to the Vet several times with an ear infection and other puppy maladies, (diarrhea, vomiting, etc.). The Embracer promptly sends me an email about the claim and within a fairly quick amount of time reviewed my claim, applied it toward the deductable, and refunded any money that was due. I am very happy with the prompt communication and thorough handling of all my claims. Thank you Embrace!

just got word the claim was paid, although I am only writing this days later. Dealing with Embrace folks is pleasant and efficient. 8-)

I've had Embrace for about 4 years now and have submitted about 5 claims, all minor. No complaints so far. For the last couple of years Embrace has been taking longer to respond, but I assume this is because business is booming. Still, I've never had to wait for longer than 1 1/2 months to have a claim settled, and no service that I expected to be covered has been rejected.

Having gone through three other insurance companies, Embrace is finally a company that actually reimburses and follows the terms of its agreement. the deductible is actual ANNUAL, not per visit as was the case with other companies, and they don't reimburse up to their acceptable amount; they have reimbursed on what was actually billed. The service is prompt always, via email. I am very very very satisfied