Embrace | Pet Insurance Review

The turnaround time on claims is 3 weeks if not longer. The only reason I found out the outcome of my claim was because I called them. No one took the time to let me know my claim was denied. My vet specifically stated the cause of the claim and Embrace still insists it is not covered. The have declined more claims than they have paid. I will not be renewing my policy.

I was extremely pleased with the reimbursement we just received for our newly adopted dog,Honey, who unexpectedly developed aspiration pneumonia. My previous 2 dogs had been insured with VPI. With repeated negative experiences over the years, I had decided that with our next dog, I would research to find just the right pet insurance company; and it looks like so far my homework paid off. I even told my vet's office about our initial positive experience with Embrace!!!

Kelly's story is one of the best testimonials for pet insurance.At 10pm on a May spring evening, Kelly (our black persian)started having violent seizures. We traveled 50 miles to the ER in Annapolis, Md. with Kelly having multiple seizures on the way. He was stabilized and held overnight. We were told diagnosis could be epilepsy, brain tumor, or toxoplasma to name a few; however, in order to actually know a neurosurgeon would have to look at Kelly, which entailed another 20 mile drive to Bouey, Md. In order to know for sure the neurosurgeon said Kelly required a MRI of the brain, the nearest MRI facility was located on the other side of Washington, DC, another 50 mile drive and the MRI would cost $1,900.00. With the two emergency room expenses Kelly's medical bill has been more than $3,000.00. Not once did Embrace question the expenses or the necessity and gave immediate approval for any and all tests. I am constantly touting the importance of pet insurance and to drive it home I relate Kelly's story. Kelly is responding and possibly will be able to be taken off of phenobarb soon. I have been told by various doctors that so many times other owners have had to make a very difficult and heart wrenching decision because of the expense of treatment. It breaks my heart to hear this so once again I say to Embrace, I thank you but most important of all, Kelly thanks you.

If you can afford it and love your pet(s) I highly recommend getting medical insurance for them. I like Embrace and thier coverage while sometimes I find thier reimbursments to be a bit slow thier customer service is top notch.

I insured my two cats about 18 months ago - one was 2 years old and the other was 12. I chose Embrace because of the good ratings on this site and the fact that they would cover my older cat, at least for accidents. Many insurers would not cover him at all. Since then my older cat got bit by another animal and the claim process was fast and easy and the check came promptly. Everyone we dealt with at Embrace was pleasant, professional and seemed to really care about our pets. Then my younger cat also had an accident on Thanksgiving day which meant taking her to the emergency clinic at paying high holiday rates. Again, the claim process was fast and easy and the check came in a week. In both cases the claim was fully covered minus our deductible and the 20% co-pay. We are very pleased with Embrace and would recommend them to other pet owners. We just wish they covered people, too!