Embrace | Pet Insurance Review

Overall Embrace was great and timely about processing my claim. There was some confusion regarding how many forms I needed from vets, but after a few emails this was cleared up. My only complaint really would be that I understood Embrace covered Chinese herbs if prescribed by a vet (and one of the reasons I chose this company). This is what I submitted and felt I had met the requirements (prescribed by a vet). During the claims process, I found out they reimburse based on an FDA approved list and this list was only made accessible to me after several emails back and forth and a specific request to do so during the claims process. I would have preferred this link to the FDA list be noted on the website for people to see during the process when they are deciding if they will purchase insurance. This one point felt a little "bait and switch" but overall the claim was handled and they emailed throughout the process so I didn't wonder if my claim was sitting on a desk somewhere.

I am very pleased. I just cant believe how easy it has been to file a claim. The communication is perfect. I receive email communications of every step taken. I cant thank you enough. This has been one of my best monthly investments made. Love my dog Gizmo and love his insurance. I will gladly spread the word to other pet owners. I found out through a co-worker who was just as pleased with embrace. There is no wonder why. I am just as pleased. Thank you all !

Thanks Embrace! My dog wasn't eating and throwing up constantly so we had to bring him to the ER for testing. He ended up being fine thank god! but the bill was sure racked up in the four hours we were there. Though the claim process took about 15 business days (which really isn't that long when you think about it) we got exactly what we expected to get back. Thanks to Embrace I can give my pets the care they need and not have to worry.Everyone I ever speak to at Embrace is so nice and they seem like they really care about my pets. I am so glad I went with Embrace for my pet insurance. Thanks!!!!

I am so grateful for Embrace. I have been with this company since my 5 year old golden/lab was a puppy and they have always been easy and pleasant to deal with. When I found out that she needed a new hip due to hip dysplasia and had been living in pain and I didn't realize it, I was devastated. But, she was able to get a new hip that will provide her with pain free quality of life for what I hope is many, many years. Without this she would have been in pain for the rest of her life. Embrace approved the process (not a cheap surgery) and paid 80%, exactly what my policy says. There was very little beauracracy or paperwork to go through in order to get this approved, and I am actually so amazed that this worked, and the check arrived in a very timely manner. I was prepared to go into debt in order to provide my girl with the surgery she needed, and the benefit of having most of it paid for was just icing on the cake!!! Thanks, Embrace. I highly recommend this service. I also love that you can choose your own deductible, yearly limit, copays, etc, in order to make things affordable or individualized just for yourself. Not to mention, they checked in and asked how things have been going after the surgery. They are pleasant on the phone and always helpful.

I have been with Embrace now for 2 years, switching from another well-known provider. Embrace has great service and an easy and fast claim process. But most importantly, they reimburse fairly - based on my actual Vet charges, not an estimate they create, like other companies. I know exactly what to expect. And the money can be deposited directly into my account so you are reimbursed even faster!