Embrace | Pet Insurance Review

After filing claims I thought the processing time was a bit long. Computer upgrade was the cause? but once fixed, claims were processed and checks mailed with follow up to see delivery time. Service and coverage after initial glitch has been excellent.

We have submiotted several reviews in the past, but am writing yet another one because continued to be so impressed with Embrace. We have had Embrace Insurance on our Great Danes (three at one period)since 2009. Embrace coverage is very comprehensive; we have had several expensive procedures for which they reimbursed a sgnificant fraction. Even our vet was impressed on one occasion (MRI). Embrace is also very communicative; they usually send an email to let us know they received a claim, usually a status email, and a follow up to confirm we received payment. Renewal is very easy. Again, they will usually check ahead of the renewal date to see if we want to use the same payment method. Whenever I email a qustion, I usually get an almost immediate answer unless it is outside working hours.

The pet insurance price tag is small relative to what it buys...PEACE OF MIND! Can never emphasize that enough!A friend of mine once said, "you don't buy insurance on your house hoping it would burn down! You buy insurance hoping it is there if/when you need it!" Same thing here. The other BIG plus with Embrace (for me, at least) is that their reimbursement is bill based and not rate based. In other words, they pay a percentage of your bill (after your deductible is met), as opposed to some companies that set artificial thresh holds on "events/procedures" and then, to add insult to injury (pun intended), only paying a percentage of that. It didn't take me long to figure out that their thresh holds were way below what any Vet would charge.

My two year old poodle mix has been insured by Embrace since she adopted me when she was 5 months old. We have had several claims for gastritis, including one surgery. We were' doing fine until I let a friend with a dog the same age watch her. I usually use an in home professional, but decided to make an exception. After specifically writing out instructions, and providing appropriately portioned prescription dog food, my friend let my dog share some of her pet food. Needless to say we had yet another claim for gastritis. Embrace never questioned where or why. Love the peace of mind knowing I am working with such a great company.

Our Pug, Jimmy, had a very serious illness involving urinary incontinence which ultimately required a scrotal urethrostomy. Embrace was super in swift payment of claims for which we were very grateful. This was not a cheap illness which we could not afford were it not for Jimmy's Embrace coverage. Thank you Embrace.