Embrace | Pet Insurance Review

When we first were looking for insurance for our puppy Newphy Roxy all we heard was - it does not make sense to get pet insurance. It is a waste of money, they do not cover anything or they do not pay. Well, that is not the case with Embrace. When Roxy had to be brought in for emergency surgery the bill was over $4,000. Not only did Embrace pay the actual cost (Minus deductable) of the procedure but we were re-reimbursed within 2 weeks of the procedure. I could not recommend Embrace enough!

I too had another pet insurance company for a few years and was totally dissatisfied with them. It wasn't until I started to research the different pet insurance companies that I realized they were one of the worst rated companies out there. I finally decided it was time for a change and I am so glad that I selected Embrace. I was so impressed with their rating and the comments/reviews that others had posted. On top of that they cover genetic disorders, which few others do. To say their customer service is EXCEPTIONAL is an understatement! I am a Bulldog breeder and as most people probably know they are prone to genetic disorders. I am pleased that I have not experienced any serious health issues with my dogs but it brings me such peace of mind knowing that if something does turn up it will be covered. I have only had Embrace for one month and I'm already a very satisfied customer. I took all of my dogs in for their orthopedic waiver exam and wellness check last Saturday. I emailed the forms to them on Monday and I have already received confirmation that they are covering 100% of the claims and that the money will be direct deposited into my account within the next two business days. It just doesn't get any better than that. I've always recommended pet insurance to people who buy pups from me but from now on I will HIGHLY recommend Embrace. A couple of the families are already in the process of changing from their current pet insurance to Embrace. My only regret is that it took me over two years of frustration with my other pet insurance company before I found Embrace!

I purchased Embrace insurance about a year and a half ago for my Labrador puppy. He hasn't had anything major wrong with him (thank goodness), but I have used the insurance A LOT. As soon as you submit the claim you get an email acknowledging that it was received and a response back with your refund promptly within 15 days. I have been extremely happy with the refunds - this company pays out exactly what you deserve and what is stated in the contract. There is no haggling or having to question anything - everything is so straight forward. The customer service representatives are very knowledgeable, friendly and willing to help in any way they can. I really couldn't ask for anything more - Embrace has been simply excellent!

I was incredibly impressed with the response of Embrace; fast, courteous, and effective. In researching the top pet insurance companies - I believe that Embrace is the best choice for me and my two pups...

My experience with Embrace has been 50/50, positive and negative. I obtained Embrace immediately after I adopted my dog, and chose the company due to good reviews. However, upon our first emergancy visit to the vet, we were denied coverage. I had been to a vet for my dog's initial check up, of whom cleared him for his orthopedic waiver, and prescribed an antihistamine for his sneezing/gagging. That same evening, it got worse, and sounded like a honking soun. I took him to the 24-hour emergancy vet, and he was diagnosed with kennel cough. Well, interestingly enough, in the doctor's notes (at both vets) when they asked me when the symptoms began, I honestly replied "a couple of days ago". Well, when I filed my claim with Embrace for both vet visits, they were denied. Reason being that the symptoms had begun before my 14-day grace period was up. Nevermind that my 14 day grace period had expired before I took to him to either of the vet facilities. To make matters worse, the vet at the 24-hour hospital wrote in a comment about a luxating patella, which forfieted my orthopedic waiver. When I challenged Embrace on this, they were horrible. They told me in order to get the orthopedic waiver corrected I needed to go to an orthopedic specialist to have him evaluated (another cost). In terms of the kennel cough, the Embrace representative sent me a link to a website highlighting kennel cough and how to avoid it! As if this is what they base thier claim decisions on! I find Embrace to be a business operating in bad faith. Even though I recently submitted a claim that was accepted, I believe it is only time before they deny something else based on some small detail. Now, of course I am stuck with them, as if I were to leave and find another company I suspect we would be told that there are pre-existing conditions that won't be covered.