Embrace | Pet Insurance Review

We bought a purebred puppy, and thought pet insurance might be a good option, even though we have never had it before. I found Embrace online, and liked the optional illness and dental protection options, so I signed up. Good thing I did, as our puppy became very ill and had to see several specialist veterinarians; she has a rare metabolic/ muscle disease. Embrace has been great and has covered her bills, but the best thing about them is the customer care. Embrace reps. follow up to ensure I receive payments from them, and have sent kind words for my dog in emails along with my EOB's. I would highly recommend Embrace to anyone looking for quality insurance and compasionate customer serivce.

My dog got a bacteria called pseudomonas, it is the most resistant to antibiotics. It comes from dirt this then caused him to have bronchitis and Embrace declared it was genetic and paid $63, out of $3000 in bills. I had bronchitis every spring as a kid it was not genetic and it went away. I am considering if I need insurance.I'm not a happy client, I feel deceived. I figure if he breaks his leg they will find some way to declare that a genetic disease.

Our dog is our baby. She has had pet insurance since a pup and is 3.5 years old now. She was always healthy until an acute illness this year. We had switched to Embrace because our old insurance made unilateral decisions on what claim payouts should be based on (their own cost chart versus what the vet actually charges customers for services). This was frustrating and costly to us. Embrace covered 90% of the actual vet cost when they processed our claims. No hassels. And they cared enough to ask after our dog and the progress of how she was doing. Their professionalism and courteousness was refreshing. In the end our dog's well being is all we care about and after many tests and a surgery she is now back to being healthy and playful. However, it's nice to know that Embrace gives great coverage and works with you from start to finish of the claim process and that. My sole warning to new Embrace customers is that upon your first claim, Embrace will ask for the last 2 years of health history (veterinary medical records) of your pet to rule out pre-existing conditions. Something I feel should have been made clear up front when purchasing the policy. Because of this review process; your first claim will take a little longer to process than you might expect. The good news is that they stay in communication with you the entire duration of the process until claim payout is made. You'll love Embrace. It's worth choosing them for your pet's insurance or switching over to them from your existing one. Sasha L. (Massachusetts)

I purchased an insurance policy from Embrace a year ago, but was unable to make any comment at that time because I did not need it for my dog. This year Embrace offered a wellness program which I did sign up for. After taking my dog, Lucy, to the vet for her yearly checkup and dental cleaning, I was easily over the $200 maximum for payment. I submitted the bills by fax and was notified the same day of acceptance by return e-mail. The check for $200 was mailed to me and I received it the next week. How's that for service!

I cannot say enough about how much I like this company. We had a bit of information missing when we filed our claim and Embrace took it upon themselves to call the vets' offices to get it. From that point Carrie, from Embrace, kept us informed all along the way. She was wonderful. We are planning to get another pet within the next few months and will use Embrace for our pet insurance carrier.