Embrace | Pet Insurance Review

I'm gonna have to rate Embrace at a 10. Embrace has covered everything they said they would. i have had to file 11 claims so far. not one issue. they process the claim rather quickly. 1-2 weeks and i have my check. i have used other companies before with previous pets and, Embrace has by far exceeded my expectations. one thing to point out. i mailed my claims in, but if you fax them it will be much faster. about a week. keep copies of the claim form in your cars so the vet can fill them out right away. i very rarely write reviews, but Embrace has earned it, 100% satisfied.

My Yorkshire Terrier called Mimi is now 2 years old. During the past years she has suffered with some minor but annoying clinical problems, such congestion, skin complaints after walking into some grass that was obviously sprayed with some insecticides that was not pet friendly. She has developed some asthmatic problems mostly allergy related. However, apart from additional health issues that I have not mentioned all these visits to the Vet are costly. Vets have no conscience when charging for medical assistance and I would like to say that instead of following a legal career I should have become a DVM. Embrace have always paid for the care as per our insurance policy guidelines and for that I am extremely happy and appreciative that they honor their obligations without question. Even though my Vet is outstanding and discount me because as I am a frequent visitor to their medical office, I still believe its a good cash business for them. So in short, I have a good DVM to go to and I have a good insurance provider and Embrace should be rated as one of he best companies to provide insurance coverage for pets; all creatures great and small.

I purchased embrace pet insurance for both of my English bulldogs when they were eight weeks old. I can honestly say it was the best investment I have every made. English bulldogs are great dogs but they can be like old men from time to time.Having pet insurance provides great piece of mind. I ask the vet to fax a copy of the bill to embrace then I receive a check minus the deductible 7-10 days later. The policy has paid for itself time and time again.You will not regret purchasing insurance to offset the expense of the vets bills.

Again...I can't say enough to express my appreciation of your services. After Bruno's recent bout w/pancreatitis and his extensive treatments it was comforting to you that your company was here for us (and Bruno). Your timely reimbursements and support has been very much appreciated.As always...thank you.

I had Embrace cover all 3 of my pets for over 2 years. I filed a claim when I had to take one of my cats in for a urinary tract issue. It took a few months for my claim to be processed and when I finally contacted them about it, they needed more medical records regarding both cats. After several weeks, I contacted them again and my claim was denied. The OTHER cat had been vaccinated for FIV and had the antibodies in his system. I had documentation that showed he had indeed been vaccinated. Apparently, this was considered a pre-existing condition and Embrace couldn't be sure that he didn't actually have FIV. And FIV is contagious, and the cat with the urinary tract issue could have had that problem due to the FIV that the other cat MAY have. Bottom line, the claim was denied. They then cancelled the portion of my insurance dealing with health issues, but left intact the accident part of the insurance. To their credit, they did refund the portion of the insurance I paid that dealt with health issues. I decided to cancel all of it because my boys are indoor, and although they can still have accidents, I would probably be better off just paying out of pocket. Any other health issues are not covered anyway. So no cancer, diabetes, thyroid, etc...