Embrace | Pet Insurance Review

We have decided to buy an insurance for our new puppy, Bernese mountain dog. I reviewed several companies on line before making a decision to choose Embrace. We have recently submitted a claim for an anual vaccination and it was accepted without any problems. The technician's at the vet office comment was that it was one of the easiest and most friendly insurance companies that they deal with. Thus far, we have been very happy with the company.

I researched at least five different insurance companies before settling on Embrace and could not be happier with my choice. From the first call to go over policy options (I ended up designing my own policy that has worked out fabulously so far) to filing my first claim (which was reimbursed in full in less than two weeks!) i feel like the folks at Embrace really understand what pet owners need/want out of the system and do their best to make everything work seamlessly. They are the only company I found that covers hereditary/congenital problems which, especially for my breed, can be quite serious later in life. My dog, Whiskey, hasn't had any serious illnesses or injuries yet but judging from my experiences with Embrace so far, I feel very confident that should something terrible happen, Embrace will be there to help.

Well, so far very few of the services I've needed for my dog have been covered. I hesitate to submit my claims because I know I'm going to get the form letter saying how sorry the company is to give me the news that nothing I submitted will be covered. The services either took place before meeting my deductible or were considered "pre-existing conditions" which is extremely frustrating. Not sure it's worth the money, may consider just creating a savings account to cover future expenses.

Embrace is a gem. They stand behind their promises made in their quote and policy wording. Their claims handling process is personal (I wish health care insurers treated policyholders the way Embrace does). I had VPI for two years and they didn't pay a penny in clams. Now THEY are like health care insurers; always finding some reason to deny. My vet was shocked and kept urging me to switch to Embrace based on experiences of her other clients. I'm glad I did. I studied hard about Embrace before switching and this website was quite helpful to me in making the switch. My advice to everyone - READ THE QUOTE VERY CAREFULLY and ask questions, lots of questions, and get the answers in writing. An insurance policy is a promise to pay for a covered loss and Embrace does just that!

Our first claim was handled quickly and professionally. I was pleased with the service and the follow up from Embrace. I am very pleased I chose Embrace.