Embrace | Pet Insurance Review

This is the first time I have had pet insurance so I didn't know what to expect if a claim came up. My dog woke up one day and wasn't able to walk. After many tests he needed surgery on a herniated disc. This was an expensive procedure. Over $7,000 including the MRI. All claims were paid in a very timely manner. It was the easiest process you could imagine to be reimbursed most of those charges. Embrace is an efficient and well run insurance company that I would highly recommend to anyone. Thanks!!

Recently, we've been noticing a trend to quickly categorize claims as "wellness" and be declined. A follow-up call is placed and after a few weeks the claim is processed correctly. This latest claim is no exception. Our dog had a urinary tract infection two months ago and the claim was paid properly. The veterinarian stated protocol dictates that blood work be taken two months after finishing the medication to make sure the infection is completely gone. We had the necessary test done, it was coded as follow-up to a previous problem, and the claim was rejected as a wellness claim. If we were not monitoring closely (as we unfortunately have learned to do), this would have been the end of the story. A phone call was made to reiterate what the veterinarian wrote down and the claim was reconsidered and paid. This sort of service didn't was unbelievable until recently. It seems something is changing in either personnel or policy at Embrace Pet Insurance. Premiums keep rising and service is getting a little careless.

They are super fast to reimburse, I fax my claim and in a week the deposit is made directly in my bank accountBesides they are great to answer any question you have in a claim.

I bought pet insurance because I don't ever want to have to put a dog down because I can't afford treatment. I chose Embrace because they had great ratings and offered the lowest rates for what I wanted, what I call "catastrophic coverage" (I chose a very high deductible). Well, my dog got bone cancer, and it was so nice being able to tell her specialists to do whatever needed doing because I had pet insurance. Embrace has paid my claims in a timely and always friendly fashion. The only downside was the time it took to do the medical history review, but that may have been a delay from her previous vet clinics.

Good start with well puppy visits, but Embrace has a communication deficit beyond email and electronic payments. Faxed records apparently were not received, but was not informed about this until dog seen at vet. Did not receive check in mail, responded to their email - which they claim was never received - but no one called or pursued followup. Did the math and was further behind with Embrace than I would be with a pet savings account. Dropped Embrace.