Embrace | Pet Insurance Review

I was excited when I first got this insurance because it made all the sense in the world to me that I have insurance for my dog as well. Since I signed up for the insurance I have had nothing but issues. My first experience with them consisted of an email and a piece of actual mail saying my dog was covered as of 2 different dates, when I called to ask which was correct, I was told the earlier date was (say it was May 27th); When my dog was stung by a bee a couple days after (say May 29th) I paid the bill and sent in the claim in. When I heard back from Embrace they told me they would not cover because she was not actually covered until June 2nd. I told them I had even gone out of my way to call and clearly asked, "So she is covered as on May 27th, right?" When the customer service rep. said yes, I assumed they were giving me the correct information. ThIs is the second year that I have had the insurance and called before her annual check up to make sure that once this visit was paid for, my deductible was met, when I was told yes, I again assumed they were giving me the correct information. 3 months after her annual visit and thinking that her deductible was covered, my dog had to go to the ER at 3am because of vomiting and diarrhea, I again paid for the visit thinking I would be reimburst the $369 for her visit, again the Embrace rep. informed me that my deductible was not met so they were only refunding me $169, due to my $200 deductible, which I had called about and wa

I have had coverage for a couple years and recently made my first claims. The process was extremely easy. The customer service professionals were fast and friendly. And I received my payment in record time. I am very happy having purchased this insurance for my dog!!

I submitted my first wellness claim for my dog. I was impressed that I recieved all $200.00 owed to me based on my wellness benefits. For a year and half, I was a customer of a competitor, where more than half of my expenses were not reiembursed because they followed a benefit schedule and the prices in my area exceeded what they remiembursed. Needless to say, I am very happy with Embrace. Part of my claim was also applied to my $200.00 deductable, no questions asked and was very fair. It took about two weeks for my claim to go through, but I was personally written emails updating me on why it was taking two weeks. They were training new employees. I like that I recieved emails updating me. I was able to respond back to the emails with any questions. It was a very personable experiance.

Recently I got 2 little Maltese puppies at 6 weeks old. Some people recommended I get insurence. Some people (who also have dogs) said it was a rip off and cheaper to just pay the vet bills over-all. I signed up for Embrace but was thinking about canceling it. Soooooo glad I didn't! 2 days after the insurence kicked in I came home to find a lethargic very sick little puppy with out any appetite. He was vomiting and couldn't keep food down. I rushed him to the vet and my bill ran up to over $1200. The claim was very easy to fill out and send in and they covered $781 of it. Definately Not Going To Cancel! It really paid off and its nice to know its there when you really need it :)

We have an older dog who we've spent about $7500.00 on in the last two years due to cancer. Of course, she doesn't have any insurance, so it's all been out of our pockets. So when we got another dog, I immediately decided to get him insurance. I'm so glad I did! My thinking was to get coverage for emergencies, not for preventive care. So we got a $500.00 deductible, 80% coverage, maximum $10,000 per year policy. So far, he's had to visit the vet three or four times for various semi-emergencies including a bee sting reaction and dermatitis. The customer service at Embrace is very good, and I just received an email today that we had met our deductible, and a check is on the way. This is the first time we've bought pet insurance, but after comparison reading of plans (we considered VPI and Trupanion also) Embrace seemed like the best one for us. Even if for some reason you decided to go with another company, I would say get pet insurance. You don't want to have to decide on what treatment to give your beloved pet solely based on money. Insurance gives you options.