Embrace | Pet Insurance Review

I have had my dog insured by Embrace since May of 2008. I recently submitted my first claim and had to submit records from each of the veterinarians that he had been to. It was a bit of a hassle, but understandable and the communications via email were excellent during each step of this process. Once Embrace had all of the information they requested, they told me that I would hear from them about my claim "within 15 business days", but after a month without hearing a word, I emailed them to find out my claim status. They were apologetic and said that they were expanding their claims department at the time which caused the delay. Two days later, I got my answer, my claim was denied due to pre-existing condition. I purchased a policy with Embrace because of their high customer rating and I will be curious about how future claims are handled. Overall, Embrace customer care is very good and caring, just a bit slow at this time. I would recommend Embrace.

This was my first claim with the company. I received an email telling me to expect to hear from them within 15 business days, but heard nothing from them. When I called after 19 business days, they aplogized for the delay and processed the claim within 45 minutes. They did approve the claim and pay as expected in the policy, telling me to expect the check with 10 business days. After 12 business days I called to learn that they had sent the check to the wrong person and would be sending out another check. Today, almost 2 months after my pet's hospitalization, I received the check for his coverage.

I can't begin to say how happy we are to have Enbrace as our pet insurance. About two years age we brought home a beautiful 9 week old Akita pup and having had some large bills from other dogs we have had we decided to look into pet insurance. After doing some research I spoke with the people at Embrace & decided to give it a try. Less than two weeks later the unbelievable happened. Our pup was running along the fence in our back yard whenour neighbor's large dog got his head partly under the fence and got ahold of Storms right front leg and tried to pull him under it. My husband was right there and had to climb over the 6ft. fence and beat the dog to get Storm free. The leg was mangeled just hanging by a little piece of skin and meat. We rushed him to the emergency clinic and after he was stabelized, the did some surery to be followed by 4 more surgeries over the next months. We paid the bills and sent the claim forms to Embrace and THEY PAID just as they said the would. They were wonderful. We got to know the staff pretty well over time because they called and e-mailsd to check or Storm. It was an uncertain time for us, but they stayed right with us and let us know they cared. I couldn't believe that they paid those claims. We didn't even have a copy of the policy when the accident happened. Storm is now 2yrs old and is a happy, beautiful four legged boy. He plays with his sister Libby and is just a geat big 120lb clown. We would have had Storm's surgeries even without the insurance, but Embrace sure made things easier for us. They did exactly as they said they would and more. They paid and they CARED.If they had people insurance, we would be first to sign up!

Don't bother spending your money with Embrace, they consider a dog having diarrhea and an upset stomach a "pre-existing" condition. Therefore they don't cover any other stomach/diarrhea issues. This was my first claim. I will be taking my business elsewhere.

Always do exactly what they say they will do. I am so thankful to have found such a great insurance company and have saved so much money.