Embrace | Pet Insurance Review

I was really confused reading the reviews on Embrace, which are almost all glowing 10 out of 10, extolling the best-ever, kind, compassionate, helpful service. I wondered what I had done wrong...but every now and then I found a review that told a story identical to mine -- we complied with every bit of paperwork when applying but then the questioning and designation of pre-existing conditions started, and reps were asking for my pet's file when it had been faxed to them 2 weeks earlier. My wife and I decided to cancel our policy -- at least Embrace gave us a partial month's credit, so we were out $140 rather than $200. However, I had no confidence that a large claim would be covered, because claims adjusters would start looking through my pet's file to find something to call a pre-existing condition in order to deny our claim

I always get a fast response on my claims. However, I am having trouble with my Vet's office filing my claims and the necessary information concerning my Jack's treatment. I received my reimbursement right away for my wellness claim, but the office did not forward his medical records which caused me to lose my reimbursement for some allergy meds he was prescribed. I may be looking for a new Vet that will accommodate my needs.

I shopped around quite a bit before I bought, and this was the most comprehensive coverage I could find. They are the only company I've seen that will at least consider coverage for a pre-existing condition if the pet goes symptom free for a year. They are also extremely service based, offering top notch customer service, and very fast, friendly responses! They go above and beyond, which is rare in the insurance industry.

Thank you for the prompt response and follow up on my claim for Handsome.

The most important criterion for vet insurance for me was that I be able to depend on the company paying what the contract said they would in case of disaster, because what's the point of insurance if you can't depend on it? I finally picked Embrace because (unlike most other companies) the reviews almost uniformly testified to their honoring the contracts they made: and it turned out to be a sound decision. For my eight year old cat I customized my policy to cover catastrophic expenses rather than routine annual preventative care, with a high deductible ($500) and 10% copay, and the highest annual limit ($10,000), with the very important "continuing care" rider (which prevents an illness which the company has paid out for from being considered a "pre-existing condition" in a subsequent policy year), no dental or prescription drug coverage. The monthly premium was about $30. After two years my cat had a brief upper respiratory infection, and then four days later suddenly became very ill with what turned out to be pancreatic cancer, for which there is sadly no treatment other than comfort care. Neither my vet nor the specialty vet hospital where he was referred for a sonogram and inpatient stabilization had dealt with Embrace before, but they submitted my claim forms and the invoices for the three visits. Three weeks later Embrace informed me that, after the annual deductible ($500), 10% copay ($232), and non-covered charges for prescription medicine dispensed by the vet