Embrace | Pet Insurance Review

I extremely unhappy with the service provided by Embrace. At their advisement, we had the vet provide an orthopedic exam for our puppy which was not required to ensure that should our puppy break a leg or something in the upcoming 6 months, it would be covered. After making a note on the exam, Embrace felt it incumbent upon them to deny a string of "potential" issues that, as expressed by our vet, were unrelated. Making things even worse, when inquiring with "Claims Embracer", she acknowledged that had we not done the suggested exam and been less responsible puppy parents, our puppy would have likely been covered. When attempting to address this concern, she sidestepped the issue and effectively told me (not in so many words) that they would be happy to continue taking my money even though they wouldn't be willing to provide coverage. To be fair, I like this company on paper. They provide rates that appear competitive and they offer policy options that are flexible to most needs. My experience with them however, told another story.

Wow! I just signed up for Embrace for my puppy who is 12 weeks old. I submitted our first "wellness" claim and got an immediate response by email. It was then reviewed and the payment is on the way. It only took ten days. I was afraid they would look for every reason not to pay as some insurance companies do...not the case here! Looking forward to Embrace coverage for many years to come.

This insurance is great. They get back to you right away letting you know they received your claim and the reimbursment is fast as well.

I have been a policy holder for almost two years. I have found the reimbursement process easy and efficient.

After loosing a dog to cancer, I vowed to have insurance for the next one. After researching thoroughly I choose Embrace. The first claim I had was for allergy testing and I really did not expect any coverage-but wanted to establish treatment. I send in my bill and was pleasantly surprised when they covered 20% of the total. All my research paid off, and they did it with a smile.