Embrace | Pet Insurance Review

Embrace has good coverage but I also liked the speedy claims service they provided in the past. I used to be out my money for only about 2 weeks. Recently is has been over 30 days. I see it is now 15 business days before they even process the claim.

I have nothing to say about Embrace except good things. I think it was 2007 when one of my golden retrievers, Frisbee, got a torn cruciate ligament and at the time I was unemployed, no money coming in, and no pet insurance. I struggled but I found IMOM.org where people log in to see what your story is and donate to the dogs or cats they choose to. So I needed $3,300 for the Frisbee’s surgery and I had to wait for a couple months before all the money got donated. Frisbee got his surgery paid for all in donations. After that, as soon as I got an income stream coming in, I searched around for insurance companies and most did not cover preexisting conditions, or they did not pay for diseases specific to the breed, or wouldn't except my Abby because she was 8 at the time, or they paid claims on their own rate schedule. Then I found Embrace. We have been insured with Embrace since 2008 and my Frisbee is no longer with us but, I have L. Bostwick and Abby. I am so glad I found Embrace because before Frisbee died he came down with cancer and Embrace paid for all his chemotherapy pills, surgery, and specialist visits at the hospital. During the time we have been insured with Embrace they have paid every claim within the 15 business day window, and most of the time they paid within 2 weeks. I have the reimbursements automatically deposited to my checking account which is a huge convenience. I highly recommend Embrace pet insurance to everyone who has a pet.

Derby had/has bilateral cranial cruciate ligament tears. I recieved a check which was for exactly what it should have been. But unfortunately we are not finished. I still have x-rays to check the healing and her right knee to fix. I hope everything goes as well with Embrace as it has so far.

I was incredibly happy to find this company. Their focus on customer service, impressive coverage, and smaller company size as compared to AKC or Purina really drew me to them initially. Sadly this was short-lived. I purchased a better than average policy that covered accident, illness and wellness care. After all, with a great dane you can't be too careful. For my money I expected to be treated to the great service that they advertise. I got the exact opposite. My time seemed less important than their time. My claims took too long. When they asked me a third time for my pet's health insurance after I had already provided it two separate times I should have seen the writing on the wall but that wasn't the worst of it. Bottom line is, they provide good customer service on some occasions but my experience showed them to be disorganized, rude, & lazy. The person who "helped" me was one of the worst excuses for a customer service rep I've ever seen. SADLY, the best service I recieved from them was from the customer service rep who helped me when I cancelled my policy.

I keep reading articles online and in magazines saying that you should just set the money aside you pay for premiums for insurance and you will have it when your pet has an emergency - instead of buying the insurance. But who actually does that?? I had a dog that cost me an arm and a leg years ago (but worth it) so I signed up for Embrace for the two dogs I got after he passed and then the rescue I couldn't give up two years ago. One of them just had a bout with gastroenteritis and pancreatitis which I just received the reimbursement for. And now that I'm retired the premium is minimal compared to what the costs were for two ICU stays for him. I take care of the routine check ups but its nice to know should they need in-hospital care that I can say yes without worrying about paying the bill.