Embrace | Pet Insurance Review

I paid Embrace in excess of $80 a month for my two very young cats, the first for just about a year and the second for about six months when I made my first claim. I'd taken my just over a year-old female cat to the vet because she had diarrhea. Embrace called the condition pre-existing because 11 months earlier, when I originally brought her home from Petco, I must have told the vet that saw my cat for a check-up a day after I got her, that she had slightly loose stools...not diarrhea. In any event, at that time, I'm sure it was from either fear of being in a new home or a change in her diet from what she was used to. At that time no vet was seen for any specific problem, only to have her checked out since I'd just gotten her. The call of a pre-existing condition was ludicrous. Once Embrace can call a diarrhea pre-existing, anything that remotely has that symptom can be denied by them...anything! It was a tricky and unethical loophole that they were creating to protect themself. Fortunately, I was only out (ahem) about $800 in wasted insurance preumiums, but you can be sure that I canceled my policy the very next day. If you're getting insurance for peace of mind, before you choose Embrace, please consider what I've said.

Thank You for your prompt payment on my wellness claim for Essie. This is my first claim and I am very pleased with how easy it was. I feel so lucky to have found your company.

I'm a new customer with two kittens. These boys had quite a bit of work done(neutering, microchipping, vet check up's. Because I had these things done, my Embrace monthly bill was reduced nicely. I got my claim $$ in a few weeks with several friendly emails. I'm going to like doing business with these people, I think.It's great peace of mind for me to know I'll have financial help, and I'll never have to choose between going to the vet and having enough money to survive.

We recently sent in a claim to Embrace and received our payment quickly. The staff communicated with us during the process and followed-up with us afterwards to ensure our satisfaction. I was able to predict almost exactly how much our payment would be simply based on what I understood our coverage to be. The detailed explanation was also very clear and easy to understand.

I will admit I had reservations-you read so many negative reports about pet insurances. But, since I now have 3 rescued shelties and 2 rescued mixed breed dogs, I felt I might need some help with medical bills so I would take the chance with Embrace. So far, I have not been disappointed. I have found Embrace to be straight forward and to do all they say they will do. Only one of my shelties has needed much in the way of medical help so far but his bills have been pretty high-to me at least-and Embrace has reimbursed me all expenses minus my copay(20%) and deductible.($500-wish I had lowered this amount when I took out the policy) No hide and seek when it comes to what is/isn't covered. They give you an itemized list of everything. Another good thing is, my claims have been settled quickly. A bit of advice...When purchasing the insurance, it is to your advantage to get the max coverage amount-10K-since any "on going" or "continued care" issues will only be covered up to 25% of whatever your elected max is. ($2500 if you chose 10K) Since my dog has an on going issue that was discovered in the previous policy year, I am glad to know $2500 of the expenses will be covered after my deductible and copay. No, it is not 100% of my money back, but it sure helps! Also, if you can, choose the lower deductible from the beginning. You do pay a bit more, but in the long run, it will be worth it. As I said, I don't know what the future holds, but at this point, I would highly recommend Embrace!!