Embrace | Pet Insurance Review

My LoLa went in for her spaying and I used my wellness for part of her surgery. The check arrived in the mail within 10 days of her surgery. Everyone was so nice and could not have been more helpful. I would recommend this insurance to everyone with a pet. Thanks Mary

I have been a customer for about 6 months. I did A LOT of research before choosing a company. Embrace has been a very easy company to work with and has handled each claim with speed and they are very personable. I had one claim that was not covered because it was thought to be a pre-existing condition, but after my Vet wrote a letter explaining it was not, they overturned it right away. I especially liked the option for prescription coverage. Well, worth it! They reimburse what you paid out minus your chosen co-pay. They don't have a set amount on what they will pay out on each procedure. I just wish I got Pet insurance when my dog was a puppy. It would have saved me so much money. I recommend Embrace!

My first claim on my new puppy was the best way to experience Embrace. The response was timely,professional,and was more than I expected. I would reccomend Embrace to anyone with pets.

I have been very unhappy with the decisions that Embrace has made on what they would cover. My dog had an ear infection after we joined and then another 6 mos later and they said that this was a chronic/preexisting condition and wouldn't pay. I spoke to an account rep and told them that if my child had 2 ear infections a year the insurance company would not consider this a pre-existing condition. Also I submitted a claim dated December and waited to hear from the company. No paperwork came back. I called the company and they said that the claim was not being paid out because it would go toward the deductible. I explained that the insurance goes from April to April and they agreed and I did recv a check but if I had not called up and asked the question they would not have sent me any explaination of benefits. Embrace also called up my vet's office to see when I made an appointment (we had a 15 day waiting period), they recd some information from the office, denied my claim and when I asked the vet about it he said that he had never heard of such a thing, and that his office didn't keep such records. I called Embrace and they said that because they felt that the appt was made a day before the waiting period ended it was a pre-existing condition. I would say that you would need to be very careful in choosing Embrace as your carrier.

Embrace has handled us and our pets' needs with great care, concern and rapid response to every detail including reimbursement. Their employees take the attitude that your pet is theirs and touch base with you months after you need their service just to see how your pet is doing. Makes even a difficult situation bearable. I am an actual customer and our dog Spike's life was saved not only by the emergency vet hospital but by the wonderful employees at Embrace. Peace of mind they provide is PRICELESS. You can view our story on their site under real stories. I spread the word everywhere I am in contact with pet owners. Embrace even insured or senior dog when no other one would due to his age and pre-exisitng handicap...the premium was lower than most other companies' coverage for dogs under 5 years of age; our dog was 10 years at time of enrollment. Thank you doesn't seem adequat.