Embrace | Pet Insurance Review

This is the first time we had pet insurance, started in 1/2011 when we got a few kittens from the shelter and an adult at home. I have three cats all on embrace. I just give the forms to the vet and they fill it our and fax it for me. Very little for me to do. One previous kitten died of FIP a few months ago after numerous expensive tests and treatments. She was an Embrace kitten. They paid the bills quickly, kept me informed with timely emails, and was supportive when our poor kitten passed away. No issues with payment at all. I have called customer service a couple of times to add cats to the policy and the representative was informative, professional, and friendly. I was talking to my coworkers a month ago soon after my one kitten died of FIP about the major expenses the ordeal had placed on us. They said - I bet you wished you had pet insurance. I said - yah I had it. They said - that was real smart. Best decision ever to sign up with embrace.

I've had Embrace Pet Insurance since October 2008, and added the Wellness Rewards benefit at renewal time in 2010. This is my first dog. I chose Embrace after comparing as many pet insurance companies as I could find. My dog requires anesthesia just for an annual checkup because she is such a fighter. She also requires annual cleaning of her bad teeth. I nearly fainted when the bill for this year's checkup came to $875 because three teeth had to be extracted. Embrace picked apart the vet bill to categorize each item as possibly eligible for reimbursement under medical, dental, prescription or wellness benefits. Since I don't have dental coverage (that may change soon!) for the dog and she wasn't ill or hurt, the only thing Embrace could pay out was the Wellness Rewards. The handling of the claim was outstanding. First, I received an e-mail saying that they were splitting the claim into two claims: one for accident/illness and one for wellness benefits. Then I received another e-mail advising me that they couldn't pay on any of the dental since I don't have that coverage. That was very nicely written, and didn't come across as a cold denial like with human health insurance. The final e-mail confirmed that I would get the full $200.00 in wellness benefits. The entire process took a tad over two weeks, which is outstanding. I signed up for the direct deposit, and the money went straight into my checking account. Everything was very smooth, and the company

First of all it was upsetting enough to learn that my dog had hip dysplasia. On top of that, I was worried that like my previous insurance company they would find some way to deny my claim. It would have made things much more difficult if the insurance company wouldn't help. I am happy to say that Embrance covered my claim.

I believe there were some growing pains with Embrace as I originally had an issue surrounging what I was told would be reimbursed and then it was not. They have really clarified their processes and over the past couple of years, I have been very pleased with their timeliness of reimbursements, clarity of coverage and customer service communication. I now recommend Embrace and my entire extended family is using their insurance with satisfaction.

I own two beautiful Great Danes, but come Great Danes comes large medical bills! We choose embrace because of everything it offered as opposed to other companies. It far beat out the competition! We have submitted several claims to Embrace and have had quick turn around times. When they take longer than expected on a claim they send an email updating you to assure you that your claim did not fall into a "black hole" and this is even before you contact them! I am so glad to have pet insurance because with two 140 pound dogs, the bills for anything triple and quadruple that of a small to medium sized dog!