Embrace | Pet Insurance Review

I am once again humbled by the graciousness, and promptness of how Embrace has taken care of me, and more importantly, my pet. With every email they ask how my pet is doing, and I am always amazed by how much they care. My 3 year old Havanese just ruptured her CCL, and she's had other medical issues this year. Embrace paid 80% of her surgery bill, and saved my life. I honestly don't know what I'd do without them.

This is my third year with Embrace and everything from the first enrollment form to this recent Wellness claim has been easy! When I needed to speak to a live person, they have always been friendly and helpful. Submitting claims by PDF/ email attachment is convenient and quick. The direct deposit for the claim reimbursement saves time and avoids running to the bank. I have two dogs insured and would not change it for anything!!

I extremely unhappy with the service provided by Embrace. At their advisement, we had the vet provide an orthopedic exam for our puppy which was not required to ensure that should our puppy break a leg or something in the upcoming 6 months, it would be covered. After making a note on the exam, Embrace felt it incumbent upon them to deny a string of "potential" issues that, as expressed by our vet, were unrelated. Making things even worse, when inquiring with "Claims Embracer", she acknowledged that had we not done the suggested exam and been less responsible puppy parents, our puppy would have likely been covered. When attempting to address this concern, she sidestepped the issue and effectively told me (not in so many words) that they would be happy to continue taking my money even though they wouldn't be willing to provide coverage. To be fair, I like this company on paper. They provide rates that appear competitive and they offer policy options that are flexible to most needs. My experience with them however, told another story.

Wow! I just signed up for Embrace for my puppy who is 12 weeks old. I submitted our first "wellness" claim and got an immediate response by email. It was then reviewed and the payment is on the way. It only took ten days. I was afraid they would look for every reason not to pay as some insurance companies do...not the case here! Looking forward to Embrace coverage for many years to come.

This insurance is great. They get back to you right away letting you know they received your claim and the reimbursment is fast as well.