Embrace | Pet Insurance Review

Sadly, I'm quite experienced with pet insurance. My dog has had PetCare for years, only to discover when she was diagnosed with breast cancer that upon renewal, her policy would consider this a pre-existing condition despite the fact that there was no lapse of coverage. My first cat had VPI which is so horrendously poor at covering actual expenses (versus a ridiculously low "covered amount") that it was more expensive for us to have him insured and pay his bills, rather than simply pay his bills. And then for our second cat, we did some research and got Embrace.It has been an eye-opening experience into what insurance could be. Our claims are immediately acknowledged by email and even when claims are denied (which happened to us for dental: these need to be pre-approved), we get the nicest emails. We are now switching all of our animals to Embrace at the expiration of their current policies.

I submitted my first claim to Embrace on 12/8/08 and it has not yet been processed. Looks like the typical delay tactic of insurance companies. I am switching to VPI.

OK, so this is not the first pet insurance carrier I've tried so I speak with experiance in which company I think is the best, and its by far, Embrace. Things I like most are: 1. There is an actual person that answers the phone and addresses your questions, etc. Not like an answering service type person, but a real person that actually cares about your pet. 2. The claim form isn't confusing and its easy to submit all your information. 3. You don't need all kinds of ridiculous paperwork to get your policy started. 4. The turnaround time for a reimbursment check is reasonable 5. The way that your policy is broken down is easy to understand.

After the loss of our 19 yr old and later our 14 yr old cats we thought about buying pet insurance on our newly adopted 1 yr old cat. We compared the common pet insurance carriers, their policies and payout for illness/accident coverage and came across Embrace Pet Insurance. They have a plan the pet owner customizes to match their own budget from basic to full coverage. A policy based on customer's choice, not by a "limited" fee schedules as other pet insurance carriers offer. We selected a $200 deductible, 10% co-Pay, coverage $10,000 for $21/mo per cat, a 1 and 2 yr old in San Mateo County, CA. Rates are based on zip code (which is good as vet expense in our area are very high), we get a 15% discount for microchip, 2nd pet, and paying annually. The website is user friendly at: www.embracepetinsurance.com About a month after obtaining coverage, our cat almost died from a serious Sepsis infection. Hospitalized at 2 facilities, Embrace totally delivered covering 90% of expenses after deductible. Our cat Termyte had 3 other visits that year, which were also covered, Embrace paid promptly (before the VISA bill arrived). Our vet bills totaled around $3,000 that first year. Now a customer for 2-1/2 yrs we are still impressed and added our 2nd kitty to the plan. The best pet insurance out there by far. Underwritten by Lloyd's of London is impressive. The "Embracer's" as they are called are knowledgeable, caring and compassionate. We knew this company was something special!

Embrace is very easy insurance to buy and to use. If you have a pure-bred dog, there's absolutely no reason NOT to choose embrace since it's the only company willing to cover breed-specific conditions. So far, we've had a couple of claims and the submission/approval process is very clear and efficient and service is great! We are very happy customers.