Embrace | Pet Insurance Review

I have had Embrace Pet Insurance for 4 yrs now and I am very pleased how they handle the claims for me. Our golden was sick in Sept. and had to go to the emergency vet. in the middle of night for treatment. When I submitted the claims I was covered and got a check within a couple of weeks. It is nice to have pet insurance so I don't have to worry so much anymore. This is the first pet I ever had insurance on and think it is great.

I got embrace insurance on my new puppy the day I brought him home. I had been looking, reviewing, researching different pet insurance since I had decided to get a new Labrador Retriever puppy. I didn't have any insurance on my last Labrador, and paid dearly because he had hd, and was epileptic. I just did a wellness claim on my young pup for neuter, and had questions about a few things. The young lady on the phone was great. Even when I couldn't remember a question she helped me set my mind at easy about what all I needed to do. Now as long as this goofy boy doesn't do something crazy I'm set for a long happy life with him.

When I purchased Embrace pet insurance for Sage, I never expected that I would have to file a claim for cancer. We had our first dog die of cancer in 2009. At that time we had a different insurance policy. When we lost our first dog, I was sensitized to the canine cancer issue and had Sage tested every way that I could think of for possible Cancer. He was tested even for bone cancer. At that time he had no signs of cancer. I did this because many of the articles I have read stated that more dogs die from this often because veterinary medicine often does not diagnose it in its early stages. So, I was shocked, horrified, and very afraid when the vet told me that there was a possibility that Sage had cancer. This was confirmed two days later. Sage has always been the one who looks out for the other family members. He intervened when one of our cats was attacked by another dog. He took charge of house training our new puppy, Rose, when she joined our home and did an outstanding job. If he hears one of our cats make nervous noises even if they are outside, he is the first one to investigate. So, he is an honored and loved member of the family. I was given three possible referrals from our vet, Dr. Hong Park and chose CVS, (California Veterinary Specialist) for the cancer evaluation and treatment. The staff and physicians there have been very comforting. We normally see Dr. Fitzpatrick and Maggie, the nurse/ vet assistant when we go to CVS. Through them I learned that Cancer treatment for dogs and cats is a little different than the treatment we think of when we think of the image of the “human cancer patient through the years.” I was afraid that I might cause more unnecessary suffering by treating Sage. This was not so. Treatment allowed Sage to perk up more than I’ve seen him for quite a while. Treatment has improved his quality of life tremendously and his quality of life will even improve more when treatment has ended. It is felt that Sage is in remission due to the treatment but he must finish the course of treatment to ensure that remission is stable. It was comforting to know that Embrace would cover the treatment of Sage’s cancer. Starting treatment had some difficulties because Embrace is a reimbursement insurance and the cancer caught me and our family unawares. However, once treatment was started and I received the first insurance payment, Embrace has served to smooth the way for Sage’s future treatments and any follow-up car

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.