Embrace | Pet Insurance Review

I have had coverage for a couple years and recently made my first claims. The process was extremely easy. The customer service professionals were fast and friendly. And I received my payment in record time. I am very happy having purchased this insurance for my dog!!

I submitted my first wellness claim for my dog. I was impressed that I recieved all $200.00 owed to me based on my wellness benefits. For a year and half, I was a customer of a competitor, where more than half of my expenses were not reiembursed because they followed a benefit schedule and the prices in my area exceeded what they remiembursed. Needless to say, I am very happy with Embrace. Part of my claim was also applied to my $200.00 deductable, no questions asked and was very fair. It took about two weeks for my claim to go through, but I was personally written emails updating me on why it was taking two weeks. They were training new employees. I like that I recieved emails updating me. I was able to respond back to the emails with any questions. It was a very personable experiance.

Recently I got 2 little Maltese puppies at 6 weeks old. Some people recommended I get insurence. Some people (who also have dogs) said it was a rip off and cheaper to just pay the vet bills over-all. I signed up for Embrace but was thinking about canceling it. Soooooo glad I didn't! 2 days after the insurence kicked in I came home to find a lethargic very sick little puppy with out any appetite. He was vomiting and couldn't keep food down. I rushed him to the vet and my bill ran up to over $1200. The claim was very easy to fill out and send in and they covered $781 of it. Definately Not Going To Cancel! It really paid off and its nice to know its there when you really need it :)

We have an older dog who we've spent about $7500.00 on in the last two years due to cancer. Of course, she doesn't have any insurance, so it's all been out of our pockets. So when we got another dog, I immediately decided to get him insurance. I'm so glad I did! My thinking was to get coverage for emergencies, not for preventive care. So we got a $500.00 deductible, 80% coverage, maximum $10,000 per year policy. So far, he's had to visit the vet three or four times for various semi-emergencies including a bee sting reaction and dermatitis. The customer service at Embrace is very good, and I just received an email today that we had met our deductible, and a check is on the way. This is the first time we've bought pet insurance, but after comparison reading of plans (we considered VPI and Trupanion also) Embrace seemed like the best one for us. Even if for some reason you decided to go with another company, I would say get pet insurance. You don't want to have to decide on what treatment to give your beloved pet solely based on money. Insurance gives you options.

My pup only has the illness/emergency coverage, but we could not be more pleased with the service we've received. Winston is 2 and a half and has been pretty healthy. Every time he has an illness or emergency we take him to the vet and make the claim. That way Embrace keeps tract of our deductible for us. When/if the vet is slow in getting in the needed paperwork, Embrack lets us know. Embrace treats us like people who love our pets. They follow up to make sure all is well and explain the reimbursement clearly. They even follow up to make sure the check was received. I recommend Embrace to all the folks we know at the dog park.