Embrace | Pet Insurance Review

I have several pets, all insured, including a retriever puppy. Twice -- yes, twice! -- my puppy has eaten something she shouldn't have and ended up in the ER. I go to the BEST veterinary practice in Sacramento -- VCA Sacramento Veterinary Referral Center. It's probably also the most expensive, because of its top-notch specialists and a new state-of-the-art facility. With Embrace, I know I'm covered, and my pets can get the best care available. Embrace is prompt: They left me know the claim is received, review and refund within days. Honestly, I could NOT be happier. I use their catastrophic care plan, with a $500 deductible.

Can't say enough good things about Embrace Pet Insurance. About 7 yrs ago our rottweiler developed cancer and we paid every bill out of pocket. I knew once we lost him the next dog we got would have insurance. I can assure you I did my homework and much to my surprise found alot of differnt types and different coverages then I found Embrace. I contacted the company and asked dozens of questions. Chris was and still is my contact person and she answered every question and explained everything to me. We bought our 1st Bullmastiff and the first year he was perfect. The 2nd year he tore out a knee and the 3rd year he tore out the other knee. Embrace has been absolutely great. With the policys we have chosen we recovered a great deal of our out of pocket money. If you are searching for pet insurance, do your homework but I do not think you will find another company better than this one.

I never bought a pet insurance policy before, but I did some research before I selected Embrace. To me it seemed just what I was looking for in a pet insurance policy. The reimbursementtime seems reasonable, and customer service was quite friendly and helpful when I had a question regarding submitting claims. I am certainly glad I had insurance when my puppy unexpectedly got sick and needed surgery. I would recommend Embrace and I actual have mentioned it already to a few friends.

My 11 month Airedale pup has had several stomach issues lately. Some of these have been quite costly. Thanks to Embrace, the claims have been handled quickly and fairly. The Customer Service can't be beat. We are grateful.

We have a very active dog that seems to get into injury trouble among other things. After $1500 of vet bills in one year, we opted for getting insurance. I researched a bunch and Embrace came out way ahead. I liked the fact that you can customize your policy to meet you needs. We opted for the 90% coverage (10% co-pay) and paid yearly so we got a separate discount. What makes this somewhat unique compared to others I’ve researched is the fact that they pay based on the actual bill, not customary charges. If you’ve ever had to battle with dental insurance (for humans), you’ll understand that that type of insurance pays customary charges which seem to be fees based off the 1980’s. No one charges that today and you get stuck paying the overage. Embrace will pay the bill at whatever level you’ve signed up for. I’ve been hesitant to write a review until I actually needed to use their service but have now met my deductible within 6 months and now I am receiving my first “refund” due to vet bills exceeding my deductible. Their service is quick on claim processing, I have not yet received my first reimbursement check but I’m told it was mailed today….One thing to note though is to make sure you review your paperwork properly from the vet before filing. Also, review what is “covered” from Embrace with each charge. I noticed an error on the Embraces part, called it to their attention and they quickly fixed it. Also, at first, I had to “debate” pre-existing conditions by requesting additional vet paper work and clarification in order for Embrace to fully understand the health history of our dog. They were more than willing to hear me out and adjusted accordingly. So far the service has been great and I’m recommending them. I did not rank 10 out of 10 yet for I really don’t know how long it will take for my check to arrive- I don’t want direct deposit. One more note, it’s important to do the math when considering what type of plan you want. Wellness was not a viable option for us to consider for the overall benefit but may be for you if you spread out your payments. So look at the different options carefully.