Embrace | Pet Insurance Review

Alex Krooglik did a tremendous, fast job of processing a Wellness claim for one of my 2 kitties - I am *so* impressed - and, I really need that refund right now! :)

We chose Embrace because it covered genetic defects and wellness. With our new puppy's first visit we have used up all the 200 wellness coverage. Got our check very quickly.

My boxer/mastiff began developing a growth on the side of his chest, causing him significant irritation. This resulted in a couple vet exams and ultimately surgery, lab tests, and several prescriptions. At the same time, we decided to take the opportunity to neuter and chip him. I chose the Wellness Rewards Plus program, knowing that I would use all of it during this first year (with the neutering, etc.), with a $300 deductible. This plan worked perfectly, even with a complicated invoice with multiple items that spanned multiple aspects of my coverage and Rewards plan. I sent a letter with my claim forms to try to discern between the different procedures and costs, but ultimately it was unnecessary: Embrace maximized my coverage by placing each expense under the proper part of my coverage- I had nothing to dispute. In addition, they covered expenses on my invoices that I did not even try to claim and was unaware were covered (e.g. nail trimming covered by Wellness Rewards Plus program). They handled everything perfectly and I even learned some pleasant surprises about the extent of my coverage. I highly recommend the Wellness Rewards Plus program (especially if you have a large breed dog or a puppy in its first year), and I am extremely satisfied with their timeliness and clarity in their claims summaries and records.

Embrace has been a great insurance product for my little Coton de Tulear. I love the Wellness Part of the Policy because it is a "Health Savings Account" for my dog. I know that all of her flea,tick, and heartworm meds are covered and also her yearly shots and physical exam. She is a healthy breed and I want to keep her in good health.

There was an error on the resolution of a claim for one of my dogs. I called, spoke with a rep, and the problem was resolved within an hour. I call that incredible service. They told me what they would do, and did it immediately. This is how you retain customers. I am very pleased with their desire to answer all questions and promptly.