Embrace | Pet Insurance Review

I submitted my first claim on my dog in October '09 for surgery to remove two masses that turned out to be non-malignant lipomas. She had never had surgery before. Never had any masses. When I was notified that my claim was being denied because "masses" was a pre-existing condition I was floored - and furious. I had no idea what they were talking about. Then I found out a fragment of a remark made by my vet in my dog's record 8 months earlier (that was partially covered by a photocopy of a prescription), was taken out of context and the claim was denied based on that. My vet was as angry as I was! She wrote a letter to Embrace to appeal the denial. To their credit, I must say, they were very fair in reopening my dog's case and I received an email today from the Head Underwriter of Lloyds of London telling me that she agreed with my vet and I that the claim was wrongly denied. They paid the claim. I am going to keep my insurance with Embrace only because of this. They have proven they will do the right thing, but you - the policy holder - have to stand up for yourself (and your pet!) and fight for it!

We have 2 cockers and have had the experience of both of them going to the vets and having multiple procedures done. Calling for claim forms and how to get them filled out correctly was greatly appreciated. The claims department was fast and handled the claims with very quick service. We are very happy with Embrace and will continue on with them!!

I have already told our vet about this insurance and will forward this to him as well! Thanks Linda and David

I have utilized Embrace for over 5 years and they have provided quick response to claims received, easy to contact on the phone with knowledgeable staff, and reimbursements are received in a timely manner. I have had pet insurance with VPI and was paid out pennies for claims submitted and terrible customer service. A few years ago my dog was hit by a car and based on my type of insurance Embrace saved me thousands of dollars. My dog has continued to have problems with her leg and being able to have acupuncture and other alternative treatments paid for have improved her pain level. Without this insurance I would not have been able to afford this level of care. I wish the offered personal health care! It's better than what I pay for.

Embrace has been a great company to work with! We have submitted three claims for our 12 year old greyhound. Each claim was processed and reimbursed VERY quickly. The explination of benifits (EOB) was VERY easy to read and understand. It was easier to read than my human health plan explination of benifits (EOB). This is a great pet plan!!!