Embrace | Pet Insurance Review

Several years back I had insurance with VPI. They were a nightmare to deal with. I was constantly chasing after them to find out when I would be reimbursed for claims for my Golden Retriever. Maybe they have improved but no way are they Embrace!Customer service is top notch! Email claims are a breeze and the turn around time for reimbursement is fantastic. They follow up all along the way. They even checked back weeks later to see how my dogs were doing. If you are looking for pet insurance you just found it!

I reviewed a number of options before we finally selected Embrace, and we couldn't be happier. The policy is easy to understand and use. We had both an injury and an illness last year. Both claims were reimbursed promptly with a minimum of paperwork. I was so happy with the illness policy, I added a wellness policy. We will definitely continue our coverage.

I have had this policy for my dog for 6 months, previous to the policy he had been seen by a vet for a possible poisoning, he was dizzy and disoriented with nausea and lethargy for 2 days and no diagnosis was made. 2 weeks ago he got ill and had no nausea or vomiting and he was better within an hour but Embrace said since 2 of his symptoms were the same and 2 weren't its considered pre-existing and they won't cover anything for him now that causes any of those symptoms. They emailed me to tell me they've denied all 5 of his claims because they think he had a neurological issue prior to having insurance... funny thing is that the claims were for a hospitalization and several liver tests because that's what the vet thought his latest visit looked like. But looks like no matter what they're gonna find a way not to pay on most claims, BEWARE!!!! Customer service was rude when I asked about claims, I gave a 2 because I'm Guessing they don't post reviews with a score of 1.

This was the first time I made a claim on my chocolate lab, Bonnie. We discovered she had bone cancer in her leg and had to have it amputated. I was devastated but the people at Embrace were very kind in their manner and explained very clearly what my coverage was. Being the first time I had made a claim, it took about 3 weeks to get reimbursed, but friends who also carry Embrace had warned me about the delay the first time. After all your pet records are with Embrace, they say reimbursement is always within 2 weeks.

our poor bernese mountain pup broke her toe on christmas day of 2010. never in a million years would my husband and i have imagined how the next 6 weeks of our lives would be effected. everything started out just fine..."keep a splint on for 6 weeks and she will be all healed" said the vet. well, after almost daily trips to the vet because our pup refused to leave her splint alone...the bills added up and our pup now had more problems. due to the fact our pup wouldn't leave her dressing alone, she developed pressure sores and infection after infection. we tried everything and anything...pain medication, sedatives, big plastic lamp shade collars and inflatable collars and the medication didn't touch our energetic lil girl and the collars all fell victim to chewing. eventually our lil baby healed but it was a long road that drained our wallets. thankfully we were able to be reimbursed about a third of what we paid out of pocket. i simply submitted the vet bills and embrace literally took care of everything...easiest and most customer friendly system. laura b. and carrie h. took care of the claim for us so we didn't have to do anything except wait for a check...and now they will be waiting for more bills because bessie broke her toe again 3 weeks ago