Embrace | Pet Insurance Review

My yorkie has been having skin and eye allergy issues for the past month. We went to the vet four different times. I've had Embrace for three years and this is the first claim I've ever submitted. I submitted my claim 17 days ago and a check was sent out today. Their website currently quotes a time frame of 20-25 days. I did receive two emails letting me know that my claim was in line to be processed, so I knew that I wasn't left hanging. After submitting my claim, I reviewed my policy because I wanted to have an idea of what to expect and I needed a refresher of what was/was not covered under my policy. Their explanation of benefits form detailed out all the charges, what was covered, what it was covered under, and the amount I met for my deductible. The EOB form was very easy to follow. (I would say it is easier than my own personal insurance.) I've always been nervous about how my first claim would go, so I am pleased that I got back what I expected. I had no issues.

Kaycee had a ruptured cornea. The options were to save the eye with a corneal transplant or the cheaper method was to just remove the eye. Thanks to Embrace Insurance, we were able to save Kaycee's eye. Love you, Embrace.

I am very pleased with the personal emails and customer service we have received from Embrace. My first claim with "wellness rewards" for our dane pup was handled promptly. Thank You! My last experiences with another pet insurance company with our previous dane were not as pleasant.

I am a new customer with a rescue kitty. I did my homework researching insurance companies and it seemed that Embrace was the only one that went into effect in 24 hrs. after signing up(for Wellness coverage only). But I signed up with the understanding that everything was covered immediately. It was only until after I submitted my claims that I understood that pre-existing conditions(earmites/fleas) and injury(infection related to the spaying) were not covered. This was not made clear to me on the phone or from reading the brochure. Although everyone I've been in contact with has been very nice and helpful, I feel I did not get the correct information initially. You have to be able to ask the right questions! I have a very young kitty who is mostly an indoor pet so I'm not sure if this is the right insurance for us. We'll see how the next few claims go.

After less than satisfactory experiences with other pet insurance companies, we finally feel as if we have made the right choice with Embrace. The claim was handled in a timely manner, and we believe that—given the seriousness of the incident—the reimbursement was fair. We hope that future experiences with Embrace continue to be as positive as this initial one.