Embrace | Pet Insurance Review

Adelayne (Layne) our 19 month old Golden Retriever is everything to us. My wife and I cherish her. Recently over July 4th holiday, we went camping and Layne got poisoned possibly by formaldehyde, the chemical in portable toilets. We rushed her into the emergency vet clinic fearing the worst. After several hours we were able to go home with Layne and medications. We watched her slow recovery for days. I submitted the claim to Embrace not knowing what to expect. Well thank you!! They paid us back $182.94 of the $303.27 emergency clinc bill. That's 60%! Layne is back to her normal sweet self again, she's loved more than ever. Thanks again Embrace-no questions-no hassles-BEST Insurance.

I was so pleased with the customer service, fast reimbursement of wellness and great follow-up from the company. I was only a customer for a few days and all this was in a matter of a couple of weeks. I've had other pet insurance in the past, but Embrace excels above all the others, no doubt!!

We have Embrace Pet Insurance for 5 out of our 6 animals (other cat is too old). At first I was a bit discouraged by all the detailed history I had to ask my vet to print out & fax to Embrace (2 yrs worth for each animal). But I am glad to say it is only a one time process so they can establish each pets medical history. After filing my first few claims, that minor annoyance was long forgotten when we got refunds totalling $659.23!! The wellness rewards is probably the greatest benefit. There is no waiting period & it covers $200 per animal per year for all the little things that add up. We spent a total of $1124.90 on 4 dogs, in a span of 2 weeks (vaccines, heartworm prevention, blood work, spay/neutering). Let me reiterate...We are getting back $659.23!!!!! There was no hassel. They received my claim via fax & the next day I received an email telling me to expect my checks! It was like Christmas! I highly recommend Embrace for all pet owners! If you love your pets as much as I do, you undoubtedly spend alot of money at the vet. Finally, pet owners are being rewarded for being responsible!

When we decided to invest in a kennel club pedigree golden retriever we also decided that we had to protect our investment. We reviewed a number of medical insurance companies on line but it was confusing. Our vet had Embrace brochures available in the waiting room. Coverage levels were simply explained leaving us to make the decision which level we wanted. My calls to Embrace have always been courteous and helpful. Although paper work is just like human medical claims we have not had the delays human claims have. But so far we have not had a major medical claim only a Wellness claim - and that coverage should be a no brainer for any owner of a loved pet.

I submitted my first claim, and was initially denied coverage. I was offered the opportunity to submit more information to support my claim in an appeal process. They accepted a letter from my veterinarian providing further explaination, and the original decision was subsequently overturned. The claim was accepted and charges applied to my deductible. I submitted a further claim and the charges were reviewed swiftly and a check issued without a hassle. I'm very pleased with this company.