Embrace | Pet Insurance Review

Our 9 month old yellow lab swallowed one of our daughters socks. He didn't show signs of distress until a couple days later when he started vomiting. After talking with our vet (after hours),he advised us to take him to the local emergency animal clinic. They took ex-rays,and low and behold they saw a blockage and said he needed surgery. Everything went smoothly,he went home couple days later,and his recovery has progressed very well. We submitted all documentation to Embrace,they reviewed the claim and within 3 to 4 weeks we received an approval for a refund check. The bill was for over $4700 dollars,and our refund check(after all deductions) was over $ 3500 dollars. Anyone considering pet insurance should give Embrace every consideration.

This is our first time with a Pet Insurance Policy and we have been pleased with the overall claim process and communication regarding progress of claim. Although the first claim we submitted took longer than expected (6 weeks, the subsequent claims have been completed in 3-4 weeks without any complications.

My claim was responded to in a timely way. Embrace makes an attempt to stay connected with their clients. We did have a problem with the vet having filled in the orthopedic exam form incorrectly, and Embrace did try to rectify the problem. I just wish they had tried to make telephone contact immediately rather than going back and forth with faxes. Now, we are still waiting for the vet to return from vacation. Next time there is a glitch, I would appreciate a telephone call to the vet and to me in order to get the problem resolved in a timely way. It has been 2 months...and, we are still waiting for a resolution.

I loved your insurance at first. But then, when I wanted to change my deductable, they said I would have to get my dog ANOTHER Orthopedic exam, AND on top of that! I would have a waiting period all over again, in other words, I'd be just like a new policy holder! AND!@!!@!! On top of that insult, I'm not being paid out for all my wellness claims!!! This is way more than unacceptable! It is an insult! Why would you treat a policy holder this way? I'm sorry I ever gqave you a dime! You are a rip-off!

I'm really glad we not only have insurance but that we choose Embrace. We've owned dogs for almost 30 years and rarely had anything more than wellness checks. But we got the insurance with our most recent dogs and wouldn't you know we've had issues from intestinal blockage surgery, chronic allergies, and the ever popular "unknown malady" that requires plenty of tests. Embrace is great at acknowledging claim receipt so we know if the vet set it in. They process quickly and if there is going to be a delay they let you know. The direct deposit of benefits is wonderful!