Embrace | Pet Insurance Review

I have had horrible experiences with another very popular pet insurance company years ago in the past, so I discontinued using a pet insurance for many years. When I recently got a new puppy, I decided she needed insurance, as young dogs are very accident prone. There are a lot more pet insurance companies from the last time I had any, but did my research and chose Embrace. Also, I luckily opted to get an orthopedic exam from my vet so any orthopedic problems would be covered immediately without a 6 month wait period, as just a couple months later, she injured her leg. Embrace was quick to acknowledge receipt and to let me know the status of the claim, let me know a check was being issued and followup that I received. I didn't get the runaround that I got from the other insurance company. So far, so good Embrace!

Embrace has been mainly excellent with me. I've submitted 3 (sets of) claims. The first one turned out a bit difficult - maybe because it was my first claim since I got insurance for my dogs, maybe because it was quite large (I found a cancer on my dog's thyroid gland - very scary) - but I really needed the money in the time frame they said it would come. I had emptied my savings in order to cover the surprise surgery, and was carefully budgeting time and money. It made things incredibly difficult when the money arrived about 1.5 weeks later than they said it would, even after I checked with them by phone several times. That said, everyone I talked with was really lovely. Embrace employees are nice people, and it doesn't feel at all like a faceless business. But it wasn't until I called for the 3rd (4th?) time, and explained that my situation was very urgent, that someone actually got on the case (they'd said they started over a week before, but as it turns out, the claim hadn't been examined at all) - at which point it was finished in a matter of hours. And that claim, once it was started, was fully reimbursed - and I even got a call from the guy who worked on it to make sure it all worked out okay. After that, the two claims I submitted were reimbursed (again, fully) incredibly quickly - the first in two days, the second in about a week. There's been nothing to complain about, nothing petty, nothing confusing. I had VPI for my last dog, and whi

After researching various insurance options for a healthy 5 year old bloodhound I chose Embrace because of the recommendations of other dog owners, the variety of its plans and the fact that payment is based on the vet's actual bill and not some unpublished schedule of fees. I actually liked the fact that when you sign up you fax your dog's medical records and Embrace will tell you upfront what they will not cover--if you don't like the answer they will give you your money back and allow you to cancel the policy so there are no surprises. Soon after I took out the policy, which I thought I would not use much, it seemed like every other week my dog came down with something--including an unprovoked attack by an off leash dog that required surgery. I honestly thought I would get a letter canceling the policy or hassle about the claims but to my amazement Embrace was great and their process allows you to follow a claim. When I or my vet fax a claim I receive an email acknowledgement that it has been recived. Within a few weeks or less I receive the analysis of the claim and the payment due to me (with the name of someone to speak with if I disagree) and shortly thereafter I receive a check. And periodically I receive an email to make sure I actually received the checks. Embrace covered everything they said would cover and there have been no problems because of these unforseen health issues. I strongly recommend Embrace. Every penny of their premiums are worth it when your dog g

I had another insurance company for my 4 Great Danes before I switched to Embrace. Last year, one of my Danes had a tumor on her foot that eventually resulted in the amputation of a toe. I was very disappointed in the reimbursement I received based on a fee schedule, not the actual cost of services. The company that claimed 80% reimbursement actually ended up paying about than 50% of my costs. After researching online, I decided to switch to Embrace. Two months after switching over, my one year old Great Dane developed prostatitis and a UTI that didn't resolve on antibiotics. My veterinarian recommended a neuter. Unfortunately, he had a clotting disorder that we were not aware of. He bled after surgery, went into hypovolemic shock, and developed a heart arrhythmia. He nearly died. He received emergency care at my regular veterinarian, then transferred to a 24 hour emergency clinic, then was hospitalized for 4 days in ICU at a large referral hospital. Knowing I had Embrace allowed me to concentrate on getting him the medical care he needed without worrying about how I would pay for it. I was with him through his entire recovery and he is now home and 100% better. My claim was handled quickly and efficiently with good communication. Best of all, Embrace did just what they said they would. They paid 80% of my costs after the deductible was met. I If still had the other company, I would have ended up paying thousands of dollars more.I am a veterinary technician

dog got a wart of her lip which grew quite large took dog to vet... Vet biopsed wart and removed total claim was allowed and my deductable was taken out... Embraced paid Overall happy customer