Embrace | Pet Insurance Review

I am a skeptic and so I have waited to comment until all was said and done. Took a little while to understand the workings but in the end Embrace did what it said it would. They got it right and it looks like I did too!

I chose Embrace because their coverage is based upon the cost of care (versus a set schedule of pre-determined amounts)and because they cover "alternative" care. I obtained my policy as soon as we brought our puppy home, never expecting to make a claim until he was a senior citizen. But at 5 months of age my Afghan puppy injured his knee in a manner that is usually treated with surgery and usually results in permanently diminished ability. I chose instead to treat him with homeopathy, physical therapy, chiropractic and accupuncture. Embrace covered all of these treatments without question or objection once we ironed out the kinks in getting the claims submitted. (I recommend email over fax submissions.) They have always kept me updated regarding the status of my claims and the checks arrive when scheduled. Best of all my now 15 month old boy is happy, healthy, energetic, active(!) and completely sound.

We took our pet Doxie Ginger to the Vet twice this year.The first time she had an ear infection and the second time her anal glands were full. We received a fair reimbursement for both claims submitted

So far I've submitted 2 claims, both which took a while to process, which is ok, but my concern is lies with Embrace's record keeping. When I received the email notifying me of my second accepted claim, they forgot to apply my previous claim toward my deductible which makes me a little (a lot)weary of their record keeping. My advice, keep all correspondence and pay close attention to the numbers. I hate to have to play accountant but it's apparent that this company doesn't seem to pay attention to that sort of thing. So far this has been my experience. I hope this improves! Also, try to find a plan without a deductible. So far, for me anyway, this insurance hasn't been worth it.

My 7-year-old bichon/lhasa mix has had Embrace insurance since he was 3. Recently he had 4 seizures within a couple of weeks. We are still investigating possible causes, but we've made four trips to two different vets, and already have heard that our first claims have been processed. I am so impressed with the humanity and courtesy of all the "Embracers." Emails are prompt and clearly explain what has been done. I even got one email saying that our claim was in the queue and not to worry that it had fallen into a black hole! Another time when I called with a question, the person I spoke to was very kind and solicitous of our pet's welfare. I did my research before we chose Embrace, and all of the positive comments I read have proved to be correct.