Embrace | Pet Insurance Review

I did a lot of research prior to choosing my pet insurance. I did so much that I got overwhelmed and walked away for awhile, and then came back to it. Embrace was the clearly the best choice when I came back with fresh eyes. The telephone customer service is very prompt and polite. The emails are clear. The Wellness rewards are awesome (I just regret not getting the higher level of wellness rewards--it's amazing how quickly the wellness-related bills add up). I also think that the things that the insurance plans cover are ideal for the consumer and make sense. The only thing I wasn't clear about from the beginning was having to have all the vets that my pets had seen fax over information. Additionally, asking the vet to fill out the form for an accident/illness claim is a little stressful, but I think that all pet insurances ask for this.

So I never do these review things. I rely on them but rarely fill them out (I know ...). That being said, my dog recently passed after an illness of many months. Almost $9,000 in claims. Embrace - NEVER - questioned anything. Not a chemo protocol, a procedure, nothing. After my deductible they simply paid 90% within a week or two. I did have one of the higher level plans. After my dog died more than one customer service person reached out to share their condolences. It was not cheap coverage but in the end they delivered as promised.

I've only been a customer for about a month, but I've been impressed with their customer service. They've answered several questions for me very promptly. I've spoken with them over the phone and through e-mail and they are very courteous. Our orthopedic waivers were filed immediately, and I submitted two wellness claims that were paid out quickly though their optional wellness program. I now have direct deposit set up so that I don't have to wait on a check. We wanted pet insurance for emergencies, not for routine care or minor accidents/illnesses. We have healthy Corgis but the breed is prone to cancer, degenerative myleopathy, and back and knee problems which require surgery ($3-5k). As such, we chose to go with a $1,000 deductible and 90% payout for up to $10,000. For our dogs, this is about $17/dog per month. If you're a member of USAA, they offer a discount through the USAA website. Hopefully we will never need it, but it will be there if we do and makes me feel more secure knowing that money won't be the deciding factor in our pets healthcare.

I have been very please with the quick and detailed explanations of my policy.The claims I have put in have been addressed in a timely fashion.With all the Pet Ins.I reviewed I wasn't satisfied, until my brother and sister in-law recommend I check out Embrace. After reading and also taking to a repesenitive I was sure this was the pet insurance for my cat and dog. I give Embrace a excellent recommendation.

Embrace:Service: check Promptness: check Follow up: check Choice of coverage:check Direct deposit of reimbursement:check After having been with Embrace for over 4 years with two dogs we cannot say enough great things about this company. We had VPI a number of years ago and they don;t even come close. I had to constantly follow up with them about my claims and got nothing but the run around from them. Embrace is the best!