Embrace | Pet Insurance Review

My first claim on my new puppy was the best way to experience Embrace. The response was timely,professional,and was more than I expected. I would reccomend Embrace to anyone with pets.

I have been very unhappy with the decisions that Embrace has made on what they would cover. My dog had an ear infection after we joined and then another 6 mos later and they said that this was a chronic/preexisting condition and wouldn't pay. I spoke to an account rep and told them that if my child had 2 ear infections a year the insurance company would not consider this a pre-existing condition. Also I submitted a claim dated December and waited to hear from the company. No paperwork came back. I called the company and they said that the claim was not being paid out because it would go toward the deductible. I explained that the insurance goes from April to April and they agreed and I did recv a check but if I had not called up and asked the question they would not have sent me any explaination of benefits. Embrace also called up my vet's office to see when I made an appointment (we had a 15 day waiting period), they recd some information from the office, denied my claim and when I asked the vet about it he said that he had never heard of such a thing, and that his office didn't keep such records. I called Embrace and they said that because they felt that the appt was made a day before the waiting period ended it was a pre-existing condition. I would say that you would need to be very careful in choosing Embrace as your carrier.

Embrace has handled us and our pets' needs with great care, concern and rapid response to every detail including reimbursement. Their employees take the attitude that your pet is theirs and touch base with you months after you need their service just to see how your pet is doing. Makes even a difficult situation bearable. I am an actual customer and our dog Spike's life was saved not only by the emergency vet hospital but by the wonderful employees at Embrace. Peace of mind they provide is PRICELESS. You can view our story on their site under real stories. I spread the word everywhere I am in contact with pet owners. Embrace even insured or senior dog when no other one would due to his age and pre-exisitng handicap...the premium was lower than most other companies' coverage for dogs under 5 years of age; our dog was 10 years at time of enrollment. Thank you doesn't seem adequat.

The only way to come out ahead with Embrace is to have a compete understanding of the policy play their game. We had our 8 week old puppy cleared on the ortho exam during the 2 week initial waiting period so we thought we had a healthy perfect puppy and that we were covered. 2 week before the 6 month waiting period for ortho injuries was completed my puppy hurt her knee. We should have waited to get her looked at. They denied the claim saying the ortho exam was done during the waiting period and because of that we had to wait 6 months. We acted in good faith, they did not. If she needs surgery down the road, it won't be covered. Good luck if you pet gets hurt or sick. I am sure they will figure out how not to cover it.

I've always had several pets and it seems that I always end up spending a fortune on them at some point. We spent $2500 on knee surgery for my poodle....$3000 for multiple eye surgeries and emergency vet visits for our Shar-pei. I kept saying that one of these days I'm going to buy pet insurance. After Maggie and Sugar passed away we eventually were ready for a new dog. We purchased a French Mastiff puppy and as most people know, the bigger the dog, the bigger the bills. I found Embrace on line and got Bailey set up with a policy and have made a claim on her shots and wellness exam. I was reimbursed within a week or so and was very happy with the experience. I just faxed in the claim form and invoices and had an email the next day saying it was being reviewed and then a follow up email saying a check would be coming in the mail. I feel this is going to be money well spent. I chose Embrace because they not only cover the normal expenses (shots, emergencies, etc. ) they cover hereditary diseases like hip displasia. If you do your research, you'll find in the small print that most other pet insurance carriers don't offer that. I think this is going to be a long and happy relationship with Embrace and I've already recommended them to several people who have pets. Thanks Embrace!!