Embrace | Pet Insurance Review

The customer service has been awesome. Quick turn around on claims, with email notices keeping me up on what's happening. I love the Wellness rider. Helps me keep my pups healthy. They even processed an older claim when my vet's office realized they forgot to submit a claim after the normal filing window closes. They also were very accommodating when I had trouble getting a detailed invoice from a university vet clinic for a Holter Monitor. The only thing I've been unhappy with was being inticed to do an Orthopedic Exam on my new little puppy, in hopes of waiving a waiting period. The puppy made some reaction(nothing audible) when the vet pulled on his leg, that the vet noted on the report. Embrace said it meant the puppy had some pre-existing ortho issues, and now they won't cover him for anything orthopedic. Since I didn't think my puppy had any ortho pain or range issues, I went back and had the vet do a second exam. She agreed there is nothing wrong with him orthopedically, and she sent Embrace an email and a second report. It could be important to me to have orthopedic coverage as my breed is known to have ortho issues as they age, especially. But they refused to reverse the pre-existing status. In hind sight, given I had no need to file a claim during the waiting period, I wish I had not had an early ortho exam done. It wasn't required, and it may have dire concequences (on my pocket book). I certainly hope my puppy never encounters any orthopedic heal

Had to take my puppy to the emergency vet while I was out of town for the holidays. Was pleased with the claim process overall, and my claim check came in the mail when promised.

Oliver (my Old English Sheepdog)has been insured by Embrace for 2 years. I have been extremely please with the manner and quickness that Embrace processes any claims for Oliver.

Our Su-ZQ, a 2 year old female Shih Tzu, had an extremely bad itching problem that took the vet several visits to determine a course of treatment. We were lucky to get our vet visits covered and lucky to find the treatment that helps keep her problem to a minimum. Embrace responded quickly to settle our claims and followed up to make sure everything had been taken care of in a timely manner. We are very happy with Embrace Pet Insurance.

We purchased our first pet ins. policy on 3 dogs, 2/12. Initially, I was somewhat sceptical which was reinforced by the denial of an ear infection claim on one of our Labs w/pre-existing allergies, even though she didn't have a history of ear infections and her allergies are extremely well controlled w/Atopicia. BUT, when our other Lab got a small bowel obstruction and needed emergency surgery ($4,000), Embrace performed at a 10 out of 10 rating. The claims were processed in a very timely manner and the customer service at Embrace has been stellar. You always speak to a pleasant and well informed person w/out waiting. The Lab that had the obstruction surgery in Nov/12 is currently in surgery for a TPLO (knee repair). I submitted pre-certification info and heard from Embrace the same day approving the estimated charges($3,200). Embrace has been worth every penny we paid for the policy and more, because peace of mind, knowing that we can do the very best for our furry family members is priceless.