Embrace | Pet Insurance Review

I'm very happy with this company thus far. Embrace's level of coverage is among the top I've encountered in pet insurance. With a pure-bred dog, I was excited to find an insurance company that did not exclude breed-specific conditions or that essentially considered having a pure-bred to be a pre-existing condition. Plus, Embrace was up front from the get go about what would be considered a pre-existing condition so that there wouldn't be any surprises on down the road. I really like the WAY that they handle claims, too. Scheduled plans really rip you off (ie VPI), and I am happy with Embrace's flexible coverage (you can choose your deductible, maximum coverage, and percentage to be reimbursed). All in all, I only have good things to say about this company. Whatever company you choose, I strongly warn you against choosing a pet insurance company that a) has a scheduled plan, b) will not cover breed-specific conditions, and/or c) will consider a claimed condition from one policy period to be a pre-existing condition in the following policy periods. Thanks for being an honest and fair company, Embrace!

Our dog is now recovering from the second of 2 ACL surgeries. We have been very pleased with the customer service we received. Our questions have been replied to very promptly. Our only complaint was the length of time it took this time for reimbursement but that was apparently due to a new system being implemented. I would use Embrace again for future pets and recommend it to others.

It was a pleasant surprise to receive three checks for my dog's surgery and the follow-up. The process was easy and took very little time. Although it took a while to receive the checks, Embrace kept me informed of progress via email so I could focus on other things, like Daisy's recuperation.

We were very pleased with the amount that Embrace reimbursed us for the eye infection that our dog had. He actually had to have two separate treatments and Embrace handled both of them without question or issue. My only suggestion for improvement is that it took longer than Embrace indicated it would take for the claim to be resolved and payment made to us. However, in defense of Embrace I believe (but am not certain) that they may have been in the process of changing their claims management system at around the time of our two claims. Overall, we are very satisfied Embrace policyholders. You never know what ailment your dog may get. It's nice to know that Embrace is there as a backstop for us. And the customer service representatives with whom we interact are always exceptionally courteous and professional.

I have been very happy with the communication and overall coverage. I think it is the best around as I have done much research before purchasing this insurance 4 years ago. Sometimes it doesn't cover quite as much as I would like but I knew this before purchasing and they are true to their word. I have good peace of mind, knowing that I have apartner is taking care of my pet's health care costs.