Embrace | Pet Insurance Review

I have never used a pet insurance. My Vet recommended Embrace and another insurance company. I decided on Embrace and I am very disappointed in my claim results. My cat had an accident that caused the following Diagnosis: Fractured left rostral mandible, Luxated tooth, Complicated crown-root fractures on four teeth. Wire splint, surgical extraction of tooth on the four teeth, Gracie had a broken lower left jaw and four broken teeth. I submitted my claim to Embrace. My claim was for $2,430.96 and they only will reimburse me $1934.37. The reason that people get insurance is to help with the cost of vet bills in an emergency. I felt that my total bill should have been covered signed up for Embrace a few months ago. I know being in the insurance business or claims is not an easy job to do especially when you are not give all the information to process when requested. However I just some friendly input, sometimes everyone should check with others to make sure that no one else has been working with the insured already. Since getting the insurance with Embrace I have received 22 emails to date and counting. The last thing someone needs is to be reminded every couple of days that information is needed to process the claims. I was and still am and will always be worried about my little girl Gracie. I had not slept in over 48 hours since she got hurt real bad I did not want anything to happen to her I MISSED WORK UNPAID SINCE MONDAY from her getting hurt.

Though I've only filed a couple of very small claims for my Lab, Gucci, they have all been paid. I was very surprised on how quickly the last claim was processed - 7 days. Keep up the good work Embrace and you'll be given a 10.

One day our 5 year old male boxer had to be rushed to the hospital due too his non-responsiveness. He was diagnosed with a ruptured spleen caused by a large tumor growing on it and was very close to death. That's when he was diagnosed lymphoma and needed chemotherapy. This was an emotionally difficult time for us as it came on suddenly without warning. When we contacted Embrace there was no haggling, just sympathy and relief that everything was covered (minus co-pay) under his plan, even his treatments every week. Now, I can never put a dollar amount on my dogs so whatever we have to do we do, but the cost of his surgery and subsequent treatments was in the thousands and if it was not for Embrace it would of been a terrible hardship. Their courteous and caring staff has made this experience better than I expected. We just have the hospital fill out the claims and fax them over to Embrace and within a week it's in the bank.

My dog, Frankie Rose, is now 4 years old. We have not yet had any emergency situation to deal with (thank goodness!) but I have confidence that any claim we make will be a positive experience. I have received an immediate response by email each time that I have submitted a claim to Embrace for Frankie Rose's annual checkups from the very beginning of my relationship with Embrace Insurance. Any questions I have had have been answered quickly whether I contacted Embrace by email or by phone. Everyone I have personally spoken with by phone has been very helpful. I am very happy that I made the switch to Embrace Insurance when we adopted Frankie Rose.

We took our Sophie for her wellness visit and our full reimbursement was in our checking account in less than a week. Everyone we have spoken to has been very helpful and just knowing we have this insurance for her makes us feel a lot less stressed about $ if something big ever comes up (pray it don't)