Embrace | Pet Insurance Review

I have been so pleased with Embrace. I imagine them to be a huge company but either they are actually tiny, or just make me feel special. Every claim, question, or request I send to them, they respond to quickly and personably. I had read great reviews about them in doing my research, and now, 3 years into my relationship with them, I found them to be true!

I decided to get pet insurance after the death of my previous dog. After racking up large vet bills, it was clear that for my next pet it would be wise to get pet insurance. I researched several companies and decided on Embrace. I've had Embrace for almost a year now and have made several claims (I paid a little extra for wellness insurance.) I find their service to be great and I highly recommend them for anyone who wants the security of pet insurance.

The customer service has been awesome. Quick turn around on claims, with email notices keeping me up on what's happening. I love the Wellness rider. Helps me keep my pups healthy. They even processed an older claim when my vet's office realized they forgot to submit a claim after the normal filing window closes. They also were very accommodating when I had trouble getting a detailed invoice from a university vet clinic for a Holter Monitor. The only thing I've been unhappy with was being inticed to do an Orthopedic Exam on my new little puppy, in hopes of waiving a waiting period. The puppy made some reaction(nothing audible) when the vet pulled on his leg, that the vet noted on the report. Embrace said it meant the puppy had some pre-existing ortho issues, and now they won't cover him for anything orthopedic. Since I didn't think my puppy had any ortho pain or range issues, I went back and had the vet do a second exam. She agreed there is nothing wrong with him orthopedically, and she sent Embrace an email and a second report. It could be important to me to have orthopedic coverage as my breed is known to have ortho issues as they age, especially. But they refused to reverse the pre-existing status. In hind sight, given I had no need to file a claim during the waiting period, I wish I had not had an early ortho exam done. It wasn't required, and it may have dire concequences (on my pocket book). I certainly hope my puppy never encounters any orthopedic heal

Had to take my puppy to the emergency vet while I was out of town for the holidays. Was pleased with the claim process overall, and my claim check came in the mail when promised.

Oliver (my Old English Sheepdog)has been insured by Embrace for 2 years. I have been extremely please with the manner and quickness that Embrace processes any claims for Oliver.