Embrace | Pet Insurance Review

I had Petshealth Insurance for about eight years. They apparently changed management several times as well as how claims were assessed - ultimately becoming extremely deficient with regard to what they considered to be "reasonable and customary charges in the geographical area". In appealing the last claim payment they made to me, I actually provided a chart with specific costs of the same services provided by four other vet clinics in my area -- proving that the charges from the clinic I used was actually below the others. In spite of this they denied properly adjusting the amount they would allow. I am not only extremely pleased to find that Embrace provided the up-front stated percentage of the actual costs I incurred, but also most appreciative of their attentive and responsive customer service.

I can't say enough about Embrace insurance. My english mastiff Daisy ate a sock and was very sick. She had emergency surgery. As anyone would imagine, the cost for a 180 lb dog is huge. Embrace was very quick in handling my claim and I had my check within 15 days. I have recommended this insurance to anyone who will listen to me. I have even given the website to my vet for his clients. Thank you Embrace!

I have a bulldog and a bullmastiff insured with Embrace. They have made the filing of claims very easy and resolution of the claims have been very fast. I did have one claim that was denied, but when I sent in a clarification, it was quickly resolved in my favor.

I am so impressed with the customer service at Embrace. Every time I e-mail I get a response from a person who really seems to care...no auto responses or phraseology. They take the initiative to look at our records and make things as easy as possible for me. Instead of my having "to prove" my claim, they took the time to look things up and promptly told me everything would be paid right away. I am very pleased with my experience and would recommend this company to anyone.

Embrace is the best pet insurance company out there. They are the ONLY insurance company that covers breed related issues. The ONLY one. So, you'd think they'd be much more expensive, right? Not at all. Their coverage cost is competitive with the other companies who do not cover nearly as much as Embrace does. Their staff is curteous, prompt, and always available to answer any of your questions. I've only had one claim so far, but it was covered as their literature said it would be. (I cannot say the same for my personal health insurance company.) I couldn't be more happier with Embrace.