Embrace | Pet Insurance Review

If you can afford it and love your pet(s) I highly recommend getting medical insurance for them. I like Embrace and thier coverage while sometimes I find thier reimbursments to be a bit slow thier customer service is top notch.

I insured my two cats about 18 months ago - one was 2 years old and the other was 12. I chose Embrace because of the good ratings on this site and the fact that they would cover my older cat, at least for accidents. Many insurers would not cover him at all. Since then my older cat got bit by another animal and the claim process was fast and easy and the check came promptly. Everyone we dealt with at Embrace was pleasant, professional and seemed to really care about our pets. Then my younger cat also had an accident on Thanksgiving day which meant taking her to the emergency clinic at paying high holiday rates. Again, the claim process was fast and easy and the check came in a week. In both cases the claim was fully covered minus our deductible and the 20% co-pay. We are very pleased with Embrace and would recommend them to other pet owners. We just wish they covered people, too!

It took a while to get all the faxes i sent in to get acknowledged and sorted out by the company. But that was partly my doing for sending in multiple items on receipts. Its best to keep your receipts simple and only have claimed items separated on to singular receipts. I was only using the wellness program during this faxing ordeal. It took them a long time to acknowledge my ortho report card. I had to fax it 3 times. I thought I would be getting the wellness claim at the same time, but that never happened. Again, perhaps i was not clear on my end. Once I called and emailed later on, we got it all straightened out. Everyone there is super nice and they answer the phone right away. Thats a hard find nowadays. And all worked out fine after I learned the ropes.

I have had Embrace Pet Insurance for only 4 months and since I had a healthy pet, I was mainly looking for a "health spending account" for my pet to cover vacinnations, spay and hernia surgery, and some preventive pet meds. So far I have been pleased and the reimbursements have been paid within 15 days. It is nice to know that you have the money for these preventive measures so that you pet stays healthy. The only negative is that the company wanted all of my pets records from the time I had bought her at 3 months and since she had not been sick and the breeder had already vacinated her, it was a little confusing but with a few phone calls from my vet, where she had her phyical,her health was verified.

Embrace does do exactly what they say and they have some of the best coverage around. Our 1 year old dog has elbow dysplasia and we have already been reimbursed for 2 sets of x-rays as the problem was being diagnosed. The first set was ordered by our regular vet and the second set by the specialty orthopedic vet and these fell in 2 separate coverage years. Today I dropped our dog off for arthroscopic surgery and possible osteoctomy that was pre-certified by Embrace (which was really fast, only a day or two). Our orthopedic specialist was surprised that they would cover this congenital disorder. The only draw back is that she started developing symptoms in our first coverage year and it took until the second to get a diagnosis because initial symptoms were consistent with a soft tissue injury. That means that this surgery falls under embrace's "continuing care maximum" of $2,500 instead of her over all $10,000 maximum which is a bummer for us because we didn't even have a chance to do much in her 1st year of coverage when the symptoms developed and her maximum would have afforded the 80% coverage. Now if the surgery is on the low end of the estimate, they will end up paying the 80%, but anything about that will be out of pocket. Many states don't have this continuing care max and we're hoping it'll be gone in our state (Alaska) for the next policy as embrace is trying to convert all states over. Once that change is made I would give embrace a 10. Reimbursements are p