Embrace | Pet Insurance Review

I have had nothing but good experiences with everyone at Embrace! They answer their emails quickly, every time. They sent updates while processing my claim so I knew just what was happening and wasn't left to wonder if anyone had even looked at it yet. When I called them, they were very helpful on the phone, as well. The claim process if very easy and straightforward. The rates are very reasonable. I highly recommend Embrace to everyone! I work one day a week at a vet clinic and I will be telling clients of my good experiences. Many of them have had claim after claim denied through VPI and have given up on pet insurance. Now I can let them know not all companies are the same, and recommend they give Embrace a try!

I faxed my claim into the company on a Sunday and received an email confirmation the very next day. Within two weeks, they had reviewed the claim and forwarded a check for the vet bill. No hassles, straightforward and best of all, responsive customer service.

We've just renewed with Embrace for our three dogs. In our transactions with Embrace, there have been no surprises, everything was as stated, we were well treated, treated fairly, and the Embrace staff with whom we worked were very responsive and followed through promptly as needed. We were advised by email as to the status of processing each claim, and claims were paid in a timely manner by check - and now even faster since we do Electronic Fund Transfers. Before selecting Embrace, we had read horror stories of dealing with other providers - we made the right choice.

I had Petshealth Insurance for about eight years. They apparently changed management several times as well as how claims were assessed - ultimately becoming extremely deficient with regard to what they considered to be "reasonable and customary charges in the geographical area". In appealing the last claim payment they made to me, I actually provided a chart with specific costs of the same services provided by four other vet clinics in my area -- proving that the charges from the clinic I used was actually below the others. In spite of this they denied properly adjusting the amount they would allow. I am not only extremely pleased to find that Embrace provided the up-front stated percentage of the actual costs I incurred, but also most appreciative of their attentive and responsive customer service.

I can't say enough about Embrace insurance. My english mastiff Daisy ate a sock and was very sick. She had emergency surgery. As anyone would imagine, the cost for a 180 lb dog is huge. Embrace was very quick in handling my claim and I had my check within 15 days. I have recommended this insurance to anyone who will listen to me. I have even given the website to my vet for his clients. Thank you Embrace!