Embrace | Pet Insurance Review

My dog used to have the other big pet insurance. I let it lapse by accident, so needed to shop around for a new insurance. I'm so glad I switched. Embrace has been great. They are usually quick to pay claims. My 11 year old had to have a mass in her liver removed. It was thankfully non-cancerous, but we wouldn't have known unless we biopsied it. They did take a while (about 7-8 weeks) to pay this large claim of $3033 (20% of the total). However, I felt that the customer service reps tried to keep contact with me throughout. Whenever I contact Customer service, via email or phone, they are very friendly and seem genuine in wanting to help me.

It took over 5 weeks to get my illness claims settled and that was after contacting Embrace more than two times and they "supposedly" expidited the claims both times. I also do not like that they no longer offer the Explanation of Benefits letting you know what was covered and "why" they did not cover something else. The way they do it now we are at their mercy to "take what they give us" as the amount we are supposed to be paid. I wish they would go back to the way they used to process claims which was faster and more accurate than this "new quicker" claim processing which it is not.

Brody our yorkie was run over by a car fractured broken pelvis. He was only 6 months old. EMBRACE was very prompt and very easy to file claim with. They really came through!

I am not typicaly someone who submits reviews, but in this instance, the performance of Embrace and the overall positive experience warrants 10 minutes of my time. As a new pet owner, I was leary about purchasing health insurance for our puppy. My comparitive research with other insurers led me to Embrace. The onboarding process was seamless and their claims processing and timeliness is commendable. Our dog has been in and out of vets for the last six months and we have submitted no less than 20 claims, totaling more than $10,000. I have never spoken to an Embrace agent or been questioned on any care provided to our dog, despite a blood transfusion, extended stays at animal hospitals, and other expensive procedures. The claims process is all electronic. We are notified via email when the claim is received, when it is processed and finally, when payment is sent. I would highly recommend Embrace for any pet owner considering insurance.

My 10 month old newfie puppy has had to have multiple surgeries for hydronephrosis, hydroureter plus FCP of both elbows. Embrace covered everything, reimbursing me quickly. They even took the time to check up on my puppy to make sure he was doing OK. Great customer service!