Embrace | Pet Insurance Review

We are new to Embrace but we are already impressed. They seem to be true to their word when they sold us the insurance. We picked up the insurance when our Golden was just turning five. Now at almost six years old he has been diagnosed with a heart condition. When you pick up insurance at a later age there are some pre existing condition exclusions which could be wiggle room for Embrace for non payment. With this new diagnosis we felt they made their reimbursement decisions fairly. They have been terrific about recognizing it is a new condition. The claims department has great customer service and response time. The EOB's (Explanation of Benefits ) statements are clear and understandable and payment of reimbursements are swift. We are very happy so far.

Dollar for dollar, Embrace is the best Pet Insurance for your dog. The reimbursement comes quickly in the mail. The customer service is great. But the wellness package you get can not be beat. I have over my life time had 3 beagles, the first one was not on any pet insurance plan. But my second and third were on VPI and the reimbursement was horrible you fax your invoice to them which was over $200 dollars and you would be lucky if you got a check back for $50.00 dollars. But not with Embrace wellness you send in an voice to them for $200 dollars and you get a reimbursement check for $200.00 dollars. How can you beat that. So with my 3rd beagle I made the best and smartest decision of mine and his life and switch to Embrace Insurance. Now I can relax and know that he is in the best hands and will have the best wellness and major medical a pet could have. I just wish I had done it years ago. And with my second beagle too.

Our friend's puppy was recently kicked by a horse and had to have expensive surgery on her leg. Shortly thereafter, we brought home our third rescue pup and realized that the possibility one of our dogs would need major health services was increased exponentially! We found Embrace through USAA of all places and were happy to see reasonable premiums and a wellness policy! We moved forward with insuring all three dogs and immediately submitted wellness claims. We received personal emails throughout the process and received 100% reimbursement checks for the wellness visits (that included microchipping the new puppy!) within two weeks! My husband was skeptical but he's a believer now and we know if something major happens to any of them, we can let their care be the most important thing, not the cost. Thanks Embrace!

I submitted a wellness claim. I had two invoices and should have sent them separate as one was from July and one from mid August. The July one I wasn't sure if would be paid as not sure how much was in wellness account. I felt the August one would be paid as was start of policy renewal beginning of August. Received an e-mail about not paying the July invoice but nothing about the August invoice so I called and was told that someone was working on it. Felt could have acknowledged that it was being worked on as thought it was discarded along with the July invoice. All-in-all I am happy with Embrace. As far as the wellness policy is concerned is there a higher amount policy that I can purchase as Milo goes 2-3 times for wellness (usually every six months) and also have his Sentinel and Advantix meds.

Our recent trip to the vet was for a rather large hot spot on our yellow lab. After leaving the Embrace claim form with the staff we returned home with meds prescribed and a playful shaven lab on one side of his face. The bill was for $160.69 and after about a week we had an email sent saying it was covered and applied under the deductible. I did a lot of research before settling on Embrace and to date have never been disappointed.