Embrace | Pet Insurance Review

My 2 year old boxer was recently diagnosed with a bout of follicultis and I submitted vet bill to Embrace. They acknowledged receipt of my claim quickly, kept me updated and responded that a portion of the diagnosis would be covered and a check would be forthcoming. I never had to worry about where my claim stood!

So far I'm very pleased with Embrace. Kodi was having issues with blood in stool. The vet decided to do a fecal to rule out parasites. After that Kodi had a barium test and a few x-rays to see if he had swallowed a foreign object. I was reimbursed the exact amount that I figured I would get. I was sent emails which kept me up to date on the status of my claims. My check is in the mail as I write this for a claim on made on 7/12/11.

I am a skeptic and so I have waited to comment until all was said and done. Took a little while to understand the workings but in the end Embrace did what it said it would. They got it right and it looks like I did too!

I chose Embrace because their coverage is based upon the cost of care (versus a set schedule of pre-determined amounts)and because they cover "alternative" care. I obtained my policy as soon as we brought our puppy home, never expecting to make a claim until he was a senior citizen. But at 5 months of age my Afghan puppy injured his knee in a manner that is usually treated with surgery and usually results in permanently diminished ability. I chose instead to treat him with homeopathy, physical therapy, chiropractic and accupuncture. Embrace covered all of these treatments without question or objection once we ironed out the kinks in getting the claims submitted. (I recommend email over fax submissions.) They have always kept me updated regarding the status of my claims and the checks arrive when scheduled. Best of all my now 15 month old boy is happy, healthy, energetic, active(!) and completely sound.

We took our pet Doxie Ginger to the Vet twice this year.The first time she had an ear infection and the second time her anal glands were full. We received a fair reimbursement for both claims submitted