Embrace | Pet Insurance Review

Our Pitbull had a paw cyst removed when 2. No sign of cancer or reoccurence om the months to follow (he is now 4). After submitting full medical records last Aug 13, Embrace gladly accepted our dog for their coverage. However, this changed with his first illness claim 9 months later. Embrace replied their underwriter - erring on the side of safety for Embrace, deemed the cyst was possibly cancerous and therefore would be labeled a reoccuring and pre-existing cancerous condition warranting denial of any future cancer or mass removal claims when this young dog gets much older. I might add, despite the coverage denial for cancer, Embrace did not make any effort to reduce the monthly premium. Credit to them, they were very polite through the process, but it is like being stabbed in the heart with a knife while your attacker smiles. Needless to say, we won't be staying with Embrace any longer and unless you want to risk delayed coverage denial (for no valid reason) I would recommend you stay away from Embrace.

I've been with Embrace for past five years, ever since Lance came into our lives. My experience with embrace has been very good so far. They have been very professional and quick in their response to all our claims.

Embrace was recommended to me by a fellow dog-owner. I had not heard of them at the time, but I had previously researched several different pet insurance companies and had always found them too expensive. When I looked at the Embrace website, I liked their reasonable rates and reimbursement policies, so I signed up. I have submitted several claims over the years, which is a very quick and easy process (you fax in a form, and they email you the claim status and a check if you have reached your deductible amount). I feel much more secure knowing that I have insurance for my dog!

We've all heard about the sturdy little cat that rarely goes to the vet and enjoys great health, and lives to an old age. Sherlock is not that cat. I did not know until after I got him that he would be prone to many of the problem that can face Persians. But happily I had signed up with Embrace before he arrived and have not been disappointed. The reimbursement process is simple. It is handled quickly. Best of all, the staff's communications always display a genuine interest in Sherlock's health.

had claim forms available for service provider at the time we picked up our dog. the facilities were great about accepting the forms and offered no hassle about faxing for us while we were paying the business office. couldn't have been easier