Embrace | Pet Insurance Review

My husband and I had our doubts about Embrace, as we did with any other insurance carrier and the insurance industry in general. However, Embrace came through on our claim and made everything so easy! Our 4 1/2 year old Boston Terrier had to have surgery for her brachycephalic-related issues. Our claim form was faxed in and within the next few days we received an email acknowledging receipt and that our claim would be processed within approximately 20 days. We received another email just to let us know the claim was still in queue, and then a final email within the 20 days saying it was processed and that a refund check was already on its way. Coverage aside, the customer service at Embrace is wonderful. Prompt, friendly responses and updates. It's like Amazon or Zappos, but for pets :) We love Embrace and have our other Boston covered under them.

The $400 wellness covered the wellness policy for the year. I have already submitted previous claims so I got my $$$ worth.

Regarding my dog's back injury. I would say that if you have a dog that is 6 years or older, consider another insurance company. Embrace will not cover them when they're older than 8 and so you may as well enroll with a company that will cover them as they age rather than having to switch later when they may have developed a pre-existing condition. This was a very expensive lesson to learn for me.

My elderly dog has an accident only policy (all I could get for her.) She fell down the stairs and couldn't walk. Took her to the vet and they diagnosed back injury and said she needed emergency surgery. The bill was $4500. Submitted the claim and Embrace said it was considered "Illness" not accident and denied the claim. I imagine anything that happens to an old dog could be denied due to "illness." Broken leg? The dog probably has arthritis.

Although my experience with being an Embrace customer is short lived, I have, however, had occasion to make a claim for my 6-year old dachshund who was diagnosed with SARDS. The live interaction with the Embrace employe who helped me through my first claim process was a pleasant one. He was courteous and very helpful in the steps I needed to take, emailed me the claims form. The claim determination took a few weeks, but that is to be expected. I received a satisfactory disposition on my claim and a check is in the mail! Doesn't get any better. I am so glad I decided to go with Embrace and purchase pet insurance for my TWO dachshunds. It provides peace of mind for those unexpected, unwanted and costly procedures which sometimes are required. A happy camper!! Joyce B