Embrace | Pet Insurance Review

Everyone I have dealt with has been very nice and professional. The forms for submitting claims are simple and claims are acknowledge by email. They are true to their claims for reimbursement. Overall, I have had a very positive experience!

Over the past year and a half my young "healthy" dog has had a series of issues for which he's needed thousands of dollars in veterinary care. Through several claims Embrace has been easy to deal with, responsive and the level of coverage did not change even though we maxed out the first year. As someone who works in the Animal Health industry I believe pet insurance is a must and I highly recommend Embrace!

I was really confused reading the reviews on Embrace, which are almost all glowing 10 out of 10, extolling the best-ever, kind, compassionate, helpful service. I wondered what I had done wrong...but every now and then I found a review that told a story identical to mine -- we complied with every bit of paperwork when applying but then the questioning and designation of pre-existing conditions started, and reps were asking for my pet's file when it had been faxed to them 2 weeks earlier. My wife and I decided to cancel our policy -- at least Embrace gave us a partial month's credit, so we were out $140 rather than $200. However, I had no confidence that a large claim would be covered, because claims adjusters would start looking through my pet's file to find something to call a pre-existing condition in order to deny our claim

I always get a fast response on my claims. However, I am having trouble with my Vet's office filing my claims and the necessary information concerning my Jack's treatment. I received my reimbursement right away for my wellness claim, but the office did not forward his medical records which caused me to lose my reimbursement for some allergy meds he was prescribed. I may be looking for a new Vet that will accommodate my needs.

I shopped around quite a bit before I bought, and this was the most comprehensive coverage I could find. They are the only company I've seen that will at least consider coverage for a pre-existing condition if the pet goes symptom free for a year. They are also extremely service based, offering top notch customer service, and very fast, friendly responses! They go above and beyond, which is rare in the insurance industry.