Embrace | Pet Insurance Review

I need to tell you my story, Maddie our Minature Schnauzer was insured for almost 4 years with VPI. She came down with Vaginitis which would not clear up so our vet did additional lab tests and found out that Maddie had MERSA. VPI refused to change any payments to us other than the Vaginitis even though the diagnosis was changed. I cancelled VPI insurance because of a rather strong disageement.I changed insurance companies to Embrace. I did everything that Embrace requested including giving Embrace all of Maddie's medical records, an orthopedic exam and Maddie was checked by our vet again. Several months later Maddie was diagnosed with MAST CELL CANCER. Our vet bills have sky rocketed and Embrace sent me a check within 15 days or less for approximately $1780.00. I paid a $300.00 deductabe and Embrace sent us a check for 80% of the balance and the bills continue. I fully expect Embrace to continue taking care of Maddie through her illness. Patricia Brown and Maddie

Embrace is the first company I've used that hasn't bent over backwards trying NOT to pay claims. Petsbest denied every single claim I put through. My dog had a yeast infection in his ears when we first got him, prior to getting insurance. When the infection returned 6 months later, they said it was a pre-existing condition. My cat what drinking and urinating alot. The vet checked her out and said she had never seen a healthier 16 yr old cat. Petsbest denied the claim, again saying it was a pre-existing condition. She not only never had the problem before, but, how was it a pre-existing condition WHEN THERE WAS NOTHING WRONG! So far, Embrace has been good.

This is my first experience with Embrace and so far it has been exactly what was promised. The claims process has been easy and reimbursement timely. I am very satisfied.

They have great cvoerage and I have been insured for several years. Only down side is claims processing seems to have slowed down recently. i used to get an email almost immediately when I faxed in a claim and check mailed within 10 days. Now it is 10 business days before you hear anything and about another week to get the check. Still ot bad you get reimbursed in under 30 days, (better than my health insurance).

I researched different insurance companies and found upon numerous reviews that Embrace was the best. I opened up a policy with them for my 4-legged baby, .Muzby. A few months later I found out he tore the ACL in his right knee. This was my first experience with Embrace. It went very smoothly. It is now 10 weeks later...and Muzby just tore his ACL in his left knee. He just underwent surgery yesterday...and I already have my information from Embrace stating that he is covered and all I will have to pay after it is all said and done is the 10% of the total bill since we already met our yearly deductible from the first surgery. Thank you Embrace....Muzby has had a rough start to his life as he is still only 2 years old....without your coverage...I don't know what I would do....as I love him. Thank You! PS....I told everyone at work about your company...I hope I bring you many more customers!!!