Embrace | Pet Insurance Review

I canceled coverage with them after only several months. None of the claims I submitted were paid. They used one of two excuses - either the condition was classified as pre-existing (an infection located in an entirely different part of the body from a previous one) or routine care (since when is accupuncture routine???).

Being in an insurance industry myself, I did a lot of research on pet insurance companies before finally deciding on Embrace. After my recent first claim experience, I can finally say that I've made the right decision. The claim process was easy and I like that there was a representative keeping me updated throughout the whole process. My main reason for getting pet insurance in the first place was simple, that is to prepared for the unexpected. Embrace is just what I needed. It doesn't cover routine checkup but covers just about anything else.

Everyone that i have talked to at this company is great. They answered all my questions and always got back to me with a fast response. This insurance company was really a life saver for my dog, if they wouldnt have been able to cover the work that my dog needs i probably would have had to put him down.... I guess you could say they were my dogs guardian angel! We have really appreciated all there hard work and with a quick speed! I will be sending all my friends there way!

My first claim had a little BUMP in the road , but everything was resolved quickly with a little help from Lea.Thank you Embrace

I never really paid much attention to obtaining pet insurance because, after working in the Veterinary field, there was never a company that seemed to actually cover what you were paying for. Everything changed when I found out about EMBRACE PET INSURANCE. My husband and I have two Rottweilers about two years old and at 100 lbs. each, they are still our babies! We realize that when you have big dogs, big veterinary bills come right along with them. One day early this year, my husband's Physical Therapist was talking about this great insurance she obtained for her two small dogs. Unfortunately, she had to submit a claim for an intestinal illness. Fortunately, she had obtained pet insurance through EMBRACE and was amazed with the customer service she received and more importantly, the money she was able to get back! It was everything she hoped it would be. She told him that signing up with EMBRACE was the best thing she had ever done. So, my husband came home, we talked about it, and I jumped on the website. I was completely impressed with how informative and thorough the website is about the pet insurance industry and what sets EMBRACE apart from the other companies. The ability to customize a policy made it easy and affordable for us to sign up and secure the health of our beloved pets. Little did we know at the time how much it would mean. Fourth of July weekend 2007, my female, Bella, came in limping. We waited 24 hours to see if it was just a muscle strain, but no, still limping. My vet gave her a shot of steroids and some Rimadyl to see if it would subside. Unfortunately, it didn't. Next stop was to the orthopedic surgeon for an evaluation. Torn ACL. TPLO was the only option. Average surgery here in Florida is between $3000 and $3200. The surgeon talked about the risk to the other knee suffering injury from Bella compensating for the injured leg. We assured ourselves, that we would do everything possible to prevent that from happening, and submitted our Pre-Certification Claim Form to EMBRACE and hoped for the best. I cannot compliment the staff of EMBRACE enough. Every single person I spoke with was kind and compassionate, as well as, professional and efficient. Bella's surgery was successful and I sent in a claim form and the necessary records to EMBRACE. About three weeks later, I received a check. I received full reimbursement minus my $200 deductible and 20% co-pay. Simply amazing. After 12 weeks of rehabilitation, one day we returned from work and our worst fears had come true. She was limping now on the opposite leg. We went back to the surgeon and another ACL tear. We scheduled surgery the next day and submitted a new claim to EMBRACE. Once again, we received full reimbursement minus deductible and co-pay. Bella is now recovering successfully from her second surgery and it will be a wonderful Christmas present to have her 100% healed, walking, and happy! Obtaining EMBRACE pet insurance is the best thing we’ve ever done for our pets and we will never be without it. It is so hard to find a company these days that actually care about the services they provide and more importantly, care about those they are providing services for. Ask your Veterinarian to look into the company and order brochures for the clinic. Your veterinarian can be confident in the care he/she provides and confident that EMBRACE will provide for his/her clients. Thank you EMBRACE!