Embrace | Pet Insurance Review

I've been a customer for only a few months but I've found customer service prompt and easy and reimbursements have been fast.

Cody, our 10 year old Sheltie had a sudden severe nosebleed. We had to rush him to the local pet emergency room where he was diagnosed with high blood pressure and kindey failure. He spent the weekend in at the emergency room ICU, a day at the specialist, and 5 days at our vets office for IV treatments. This was our first claim with Embrace, and I was a little nervous about the process. It could have not been easier. Faxed my claim form and invoices, got an e-mail confirmation in less than 24 hours confirming reciept of my claim, and when I should expect a response. Next e-mail was to let me know that my checks were in the mail. No issues at all! Follow up visits/claims have all been handled the same way. I am very pleased with Embrace, and would highly recommend theme to anyone considering pet insurance.

A few years back, I lost one of my kitties to kidney disease. It made me realize how much good veterinary care is out there today, but also how expensive it can be. I know that I could never make a treatment decision based on cost, so I decided to look for a plan that would cover the big stuff. My cats now have a high deductible plan that covers up to $10,000 in treatment. Because they have $1000 deductible, the premium is quite reasonable. I cover the routine stuff out of pocket, but have protection in case something serious happens. This year, my 12 y/0 kitty was losing weight. In order to determine what was wrong, he needed some rather expensive testing (ultrasounds, etc). I was able to turn in his bills in excees of $1000 and was promptly reimbursed 80%. The claims rep kept me updated on the status of each bill until it was paid.

My English Mastiff got very sick this past August. She ended up with pneumonia. She had to spend 2 nights at the emergency animal hospital and then had to spend another night at her vet. The bill all together was around $2,000 and Embrace covered more than half of the bill. I am glad that I decided to get the Embrace Insurance. I think it is a good thing to have for your animals.

I'm a doctor who deals with health insurance for my patients on a daily basis. I wish every 'Human" insurance carrier handled my patient's claims as efficiently and intelligently as Embrace has handled Lola's claims these last four years. Prompt processing, continuous email followup, and a sense that Embrace really cares about both the pet and the owner. Have had several claims from small to surgery and had the same positive experience each time.