Embrace | Pet Insurance Review

I have worked for a vet for almost 10 years, so I never needed insurance for any of my pets. I will be leaving him to relocate this year. So, not knowing where the closest vet would be and where I would be working, we decided to get pet insurance. I called and spoke to 6 different companies. Most of them had extended hours and I was able to call after work. Embrace was the only company that I found hard to get a hold of and almost just excluded it as an option. After looking at the other companies that I had chosen, I narrowed it down to 24PetWatch’s insurance. However, after calling them back, I decided against it as they told me that if my puppy had a ongoing issue, they wouldn’t cover it past that policy period unless it was deemed cured and remained cured for 180 days. I was sitting at home debating with my fiancé with what we should do… nothing seemed to appeal to us. That’s when we decided to give Embrace a call. The customer service was UNREAL!! I called 8 or 9 times within 2 days to ask silly questions, and not once did anyone get aggravated or annoyed with me. In fact, they encouraged me to call with any questions I may have. When I call in now, they know me and immediately want to know if my puppy is ok. As far as I understand, Embrace is a GREAT company, as long as you get the insurance before ANY problems arise. I’ve heard that if something happened before insurance, and something similar happens after the insurance, no coverage. For instance, diarrhea is a common issue of puppies in a new household… due to environment changes, food changes, even intestinal worms. If that puppy has diarrhea 6 months later, he isn’t covered because it’s a “pre-existing”… even though the reason for the diarrhea is completely different. So, if you are looking at insurance for a puppy that has had NO problems, this is a GREAT program! However, if you want to get it for a dog that has had ANY problems, I would recommend you do a Medical History Review with them! They will get the past 2 years history on your pet, and then let you know what they will not cover. The problem with this is that you have to be insured before they do this for you… but you have a 30 day money back guarantee if the plan will not cover what you want it to cover.My puppy has the wellness coverage, and luckily, that’s all I’ve had to use so far (for neutering and microchipping, and a couple vaccines). Since I work for a vet, that $200 takes me pretty far. =) Pet Insurance is all about preference… what you want it to cover, what is “pre-existing”, how much you are willing to pay, and where you live.

I'd like to commend Embrace pet Insurance on the wonderful service they provide to those of us who love our pets and consider them family members. We have historically spent tons of money on our pets and decided to insure our latest puppy, Ollie, who is now 3. What a smart decision. He needed TTA surgery and is now recuperating from the ordeal. Since this was a scheduled procedure we had the surgery pre-certified which was a breeze and made the process afterwards flawless. Not only was it financially wonderful, but the compassion and tips from everyone at Embrace made us feel like they were holding our hands throughout the entire process. I can't speak highly enough of the entire Embrace team. Thank you from Ollie and his "parents!"

I have had other insurances for my pets and for the value and coverage it's amazing. Just like a person there's a deductible but after that everything is pretty much covered. I am very happy with the coverage and always amazed at how quickly you get reimbursed.

The past eight months have been quite challengeing emotionally for my husband and I. Our 3 yr old boxer, Mable has been diagnosed with Kidney Disease, high blood pressure and they found a mass growing on her jawbone. Luckily we have a great vet and Embrace to help us through the many surgeries. Mable is like an actual child to us and we would do whatever it takes to keep her healthy. Thankfully, Embrace has helped us through financially without hassle. Not only have they not denied us on reimbursement but, they ask how she's doing and send belly rubs and kisses! Their support is warm and sincere and I couldn't recommend a better insurance provider for your child...I mean pet!

Yeah to Embrace! I was surprised how quickly and efficiently my claim was handled. Being that I work in the health care industry (with people, not pets) myself and deal daily with the run-around that most often occurs before settling claims, I was expecting to have to fight for my reimbursement when my dog needed vet care. Embrace was so professional to work with; an agent was available to speak with upon one call, the claim form was easy to fill out, I received immediate feedback regarding the status of my claim, and reimbursement was in the mail within 2 weeks. I know some major Insurance companies that could learn a thing or two about customer service from Embrace. Keep up the good work!