Embrace | Pet Insurance Review

My Spinone is now 9 months old and I have had him covered by Embrace from the start. We've been to the vet a number of times already - thankfully nothing too serious - and Embrace has reimbursed exactly as promised in every case. I have been very pleased with the customer service so far, it is mostly very prompt and the communication is great - I get an email each time a claim is received and then another when it is processed with the detailed info. So far, so good with Embrace. I have nothing but great things to say and I feel like I made a very smart choice in choosing them to cover my dog.

Embrace has earned my highest respect. They have stood by their promises and have paid the claims I have submitted in a timely manner. Thank you Embrace for giving me peace of mind.

I had never had a dog before, so when we got a puppy last year, I was strongly encouraged by all my dog-owner friends to buy pet insurance. I shopped around and decided on Embrace, mainly because they are a local to me company and I try to 'shop' local as much as possible. The first year with Embrace was just 'so-so', it was largely due to me learning the ropes & understanding how the policies work. I decided to go ahead and renew the policy, upping my "Wellness" benefits, where there is no deductible but a set amount for reimbursement. Now that I understand better how the policies work, I am much happier with my coverage. In short, anything having to do with 'prevention' like flea/tick applications, routine shots and exams, etc. goes under "Wellness" with NO deductible and is reimbursed in full (up to your specified dollar amount). Anything related to sickness, worms, injury like a sprained leg, etc. goes towards the regular insurance policy WHICH HAS A DEDUCTIBLE BEFORE you get reimbursed. I'm going to stick with Embrace for a while longer.

We brought our 2 pound, 7 month old Yorkie to the vet to be neutered and to have a microchip implanted in him so that if he's ever lost he can be returned to us. My husband and I can't be more satisfied with the manner in which Embrace handled our claim. The goal of all companies should be to respond as efficiently and quickly as Embrace. The staff at Embrace is also caring.

Embrace keeps everything simple. The claim forms are pre-filled; all I have to do is scan it and e-mail it. In a few days, my refund is direct deposited into my account. No extra red tape and no hassles! I'm so happy with Embrace.