Embrace | Pet Insurance Review

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.

OUR PUPPY HAD ALL IT'S SHOTS OVER THE PAST FEW MONTHS. WE ARE DOING EVERYTHING POSSIBLE TO KEEP HER HEALTHY AND WITH OUR FAMILY FOR A VERY LONG TIME. NEXT IS A MICRO CHIP AND FIXED.EMBRACE HELPS US TO DO THIS. THE REIMBURSEMENT PAPERWORK IS VERY EASY AND CHECKS ARE PROCESSED FAST. I'VE TOLD SO MANY PET OWNERS ABOUT EMBRACE.

We recently submitted a wellness claim (prescription dog food and meds) and a dental rewards claim (prophylaxis) for our 6-year-old Nova Scotia Duck Tolling Retriever.We inadvertently submitted both claims on a single claim form. Not to worry. The folks at Embrace quickly split out the two claims and we received checks for both soon thereafter. Couldn't ask for a more professional staff. Thanks, Embrace!