Embrace | Pet Insurance Review

We have had a policy for our 9 month old Shetland Sheepdog since he was 4 months old. I can't speak more highly of this company- we have had a few small things pop up, and our claims are always processed very quickly (mostly via email), communication is rapid, and our claims have always been approved. This is one of the only pet insurance companies to cover genetic conditions (such as hip dysplasia) and I would recommend Embrace to friends and family- both for the range of illness/conditions covered and excellent customer service. Wonderful!

I wanted a policy that would only kick in for major expenses, with high co-pays and deductibles resulting in low premiums. I also wanted continuing care coverage, so that chronic ailments wouldn't become uncovered pre-existing conditions at policy renewal time, as is usually the case with pet health insurance. Embrace promotes their continued care rider and seemed to fit my needs, so I bought a policy for my two cats. Later, when I carefully read the fine print (like I should've done up front) it became clear that their cintinuing care coverage was substantially less after the policy year when the condition developed. Worse, at the end of the first policy year they wanted a 43% premium increase to renew! Yes, a forty-three percent premium increase after the first year! It was like bait and switch: they suck you in with what seems to be good long-term coverage at an excellent price, then once they're got you as a customer, they jack up the rates so high that they're not even competitive. Needless to say, I didn't renew! I rated them as a "6" because they didn't actually steal my money and they didn't refuse to pay any claims (I didn't submit any) but I really felt ripped off regardless.

It's VERY helpful to receive confirmation when one files a claim (not a form letter but a written response with someone's actual name on it!) letting them know what they can expect in the way of reimbursement and why. Even though I haven't been with Embrace that long, I'm impressed with how thorough they are in explaining coverage and any questions I've had and the promptness of reimbursement. Paying a little more in the way of premiums each month is worth it to get exactly the coverage I want. I like that I can customize my plan and not pay for something I don't want/need. I also enjoy their newsletter and plan on keeping my cats healthy!

The customer service provided by Embrace has been excellent. They have exceeded our expectations. The process was filing a claim for our dog's heartworm treatment was easy and the turn around time on processing the claim was very quick. I have been delighted with their response.

When we first were looking for insurance for our puppy Newphy Roxy all we heard was - it does not make sense to get pet insurance. It is a waste of money, they do not cover anything or they do not pay. Well, that is not the case with Embrace. When Roxy had to be brought in for emergency surgery the bill was over $4,000. Not only did Embrace pay the actual cost (Minus deductable) of the procedure but we were re-reimbursed within 2 weeks of the procedure. I could not recommend Embrace enough!