Embrace | Pet Insurance Review

We have had several pet insurance companies over the past five years and only Embrace has been the one to honestly try to get my claims paid. They work hard to see if there is a way to settle any and all claims quickly and efficiently. They honestly look for a way to settle all my claims, whereas other companies try to find a way not to pay a claim. And they do so without a lot of form filling and continuous demands of more information regarding any claim I had submitted. With Embrace, my vet faxes in the form and Embrace tries to get each and every section of the claim paid quickly. They are in constant e-mail contact with me advising me of the progress of the claim (which is what I really like).

My 5 year old dog Maggie had two fractured upper back teeth. The extractions had to occur under general anesthesia. This was very expensive for me. After Embrace reviewed my claim, the Explanation of Benefits showed that the only amount not covered was the 10 percent co-pay and the remaining balance Embrace fully covered. The medications, the lab tests, routine dental cleaning, peridontal treatment, xrays, the oral surgery and more. It was such a relief to receive the reimbursement because the final costs was pretty expensive for me. Having this really great pet insurance means that I don't have second thoughts about getting care for my dog. Embrace has also covered two previous smaller claims. The staff is helpful, concerned, friendly. They always make sure that I understand the process, re-assure me about when they will review the claim and how long to expect a response from them. One review took a little longer than usual, but Embrace was in contact with me to let me know this. I wasn't left hanging. I always highly recommend Embrace Pet Insurance to anyone when I have the opportunity because I have been so satisfied, and my Maggie receives the care she needs.

I decided to get on board right away with my new puppy, a toy fox terrier, after having owned 2 others, without insurance. So far they have been very patient with my questions as I can't always keep track. They are quick and efficient with reimbursement as well. I have seen many positive comments and came across one from a former veterinarian who moved from my area.Thanks

I was skeptial about pet insurance. This is my first time, after much research I picked Embrace. Owning 4 dogs, expenses can add up. When we adopted the 2 youngest sisters as pups we decided to get pet insurance, our other 2 dogs are really too old. At the age of 1 1/2 yrs old Trixie developed hip dysplasia, she could not walk on her leg. She had surgery and they covered exactly what we thought. There was a billing mix up at our vets and they did not send in the correct bills. Embrace helped put with the problem and honored the contact. We are very pleased. Would definitely recommend.

I wanted to wait to write a review until I had a large claim which unfortunately happened sooner than later. My English Bulldog tore his CCL at just over a year old. At first the claim was denied due to the vet tech at the surgeon's office writing an inflated time frame for our dog's limping. But we got statements from our regular vet and the specialist and the claim was approved when we appealed it. The first time the claim was submitted I did not hear back in 15 business days and had to email to inquire but the appeal was processed much quicker. I did a lot of research when choosing pet insurance and I am confident I went with the best. But you have to know their rules and regulations. There is a 6 month orthopedic waiting period and if you have issues inside of that they are of course not going to cover it. I find they are always quick to respond to emails and always very nice. Having an English Bulldog pet insurance definitely gives me peace of mind.