Embrace | Pet Insurance Review

We got Embrace in 2009. Six months later, our 6-year old, Bagel, got unexpected and unexplained lymphoma. Embrace sorted out all the claims and made the process so easy to get reimbursed, which is what you need when everything is in trauma from a pet with a critical illnes or injury. During that period, Embrace employees working on the claims would ask about Bagel. When we lost her, they all sent sympathy e-mails. We have Embrace for two other dogs, and purchased the wellness adder. We cannot say enough about the great value, overall experience, and quick reimbursements. Top dog insurance - you need to choose Embrace.

While I was kept informed of the process, it took over a month to process this claim. There was only one charge and the amount was just applied to my deductible, so I'm not sure what the hold-up was with it.

Molly became sick had to go in for multiple tests cost total of $759.00 This claim took 5 plus weeks to be processed and resulted in $110.00 back to me. Ratings 1 on processing claim ( 5 plus weeks) but 9 on customer service.

My dog Lola began having gastrointestinal issues as a puppy, involving several trips to the vet. The very first trip met my deductible and subsequent trips have been covered by the insurance. It took several different visits before they decided she had an intolerance to her food. Thankfully, she is doing well on a sensitive stomach food now and has regained her weight loss. I never expected to have to use Embrace this soon as her first few months as a puppy were illness-free. I am very thankful to have the financial security of Embrace insurance because even minor problems can become expensive with numerous trips to the vet.

I have used pet insurance in the past (for my horses)that has saved me many times but had never had insurance on my dogs. I have had my two doxies insured with Embrace for about 4 years now and have recently had to submit a claim for one of my dogs that had a slipped disk in his neck due to an accident. I had to take him to a specialty teaching vet hospital that had a neurology dept. I had the plan with a $500 deductible and then they pay 90% with a maximum coverage of $10,000. The total bill was almost $5000 and the only thing that they didn't pay was the prescription meds because I didn't have that extra coverage under my plan. The claim did take over a month to process, but they kept me informed through email apologizing for the delay and assured me that they were working on my claim. The reason that I chose Embrace was because I had researched the many companies and Embrace had the best reviews and the least problems covering claims.