Embrace | Pet Insurance Review

My Ginger is an American White Shepherd. She is beautiful and she simply is my bud. I have AIDS and am disabled and when I got her I new that emergncies would come up. There are wonderful services for people who have disabilities, but they have limits and income barriers in which I do not qualify for... Finding Embrace Pet Insurance has been like the X factor that has corrected a ship in allowing me to know what ever it is that needs to be done, that I can just do it. I don't have to hesitate or put my Ginger through pro-longed waits, waiting for approval and so on... Ginger has kept me engaged in life and I am grateful that I found an insurance company that realizes the stress's of having a sick family member. Embrace has been wonderful from the very beginning, I needed the insurance this year for the first time. And, I am so grateful that I took out the insurance to take care of her... The review of the claims submitted were promptly handled and someone was always able to provide me with a status. I am so blessed and full of gratitude for Embrace Pet Insurance, doesn't the title say it all, and its' TRUE!!!

Shortly after I enrolled in the plan, it was time for my dog's wellness exam. I received accurate information when I called to ask about required paperwork and my reimbursement was processed and received in about 10 days! The part that impressed my was the emails from the EMBRACE claim reps that kept me apprised of receipt of my claim and the time frame when it would be received. SO far so good!!

I have a doberman that required medical attention. After he started feeling well and I could focus on other things, the most obvious was the huge vet. bill I had incurred. Now times are tuff right now for all of us, but fortunately I felt like "EMBRACE" was my "light in the darkness" because after they fully paid my claims, I felt so relieved and at least that is one thing I can feel certain about in these uncertain times.

After having the AKC Pet Healthcare Plan for over two years I recently switched my four Bulldogs to Embrace. The difference in the level of customer service is profound. One month after enrolling with Embrace I took my girls in for their Wellness check and Orthopedic Waiver exam (which was optional but recommended to waive the six month waiting period) and my vet found a mammary tumor on one of them. She had surgery that very day (a Saturday) and spent the night in the hospital. I submitted all my claims on Monday and the money was direct deposited into my account that Friday, less my $200 annual deductible and 10% co-pay for the surgery. I am still in shock! The Embrace reps provided me with status EVERY step of the way. I was used to submitting claims to my old plan and then calling a couple of weeks later only to be told that they hadn't received them, or if they had then they had not been processed yet. Then, once they were processed 90% of the time they were denied because they considered it a genetic condition. I started doing research on other options for Pet Insurance and learned that AKC Pet Healthcare Plan was one of the WORST rated companies out there. I chose Embrace because:1) They cover genetic disorders (unless pre-existing). 2) Their customer service ratings are superior. 3) The level of person service I received when I inquired about their plans. 4) The ability to customize your coverage and get an optional Wellness Plan which includes flea/tick and heartworm prevention products (which are covered even if you buy on the internet, teeth cleaning, vaccinations, etc. 5) They offer discounts for multiple pets, spayed/neutered pets, micro-chipped pets, plus they honor coupons you find on the internet for an additional 5% off. As a breeder/exhibitor of Bulldogs (who as most people know are prone to genetic disorders) I have begun recommending Embrace to everyone who has every purchased a pup of mine and to my dog show friends. I have been blessed with very healthy Bulldogs so my girls don't have anything they consider pre-existing but it brings me so much comfort knowing that they will be covered if something should come up. I highly recommend Embrace. I'm just sorry I spent so much money on coverage with the AKC Pet Healthcare Plan (who doesn't over any discounts - not even multi-pet) before I realized I was wasting my money. It pays to research pet insurance companies before you buy. I just automatically signed up with AKC Pet Healthcare because the offer came with the pup registration and I figured if it had the AKC seal of approval it must be good. WRONG!!!!!!!!!!!!!

I filed a claim after my pug's visit to an emergency clinic. Everyone I spoke or e-mailed with were extremely courteous and pleasant to deal with. The only unpleasant surprise was the refund amount; reading the reviews I had expected more, but I guess that's my mistake, something I missed in the small print..