Embrace Pet Insurance

My dog developed hemolytic anemia from a deer tick bite. He was very ill and the prognosis was poor. I took him to the Vet Specialty Center and treatment was initiated within an hour. I knew it would be expensive and I was hoping that Embrace would be everything I thought it would be. In all honesty, Embrace insurance was better than I had hoped for. I called for guidance and was given accurate directions on how to file claims. They were reviewed and paid very quickly without any hassle. The forms are easy to access from the app and my veterinarian faxed them in for me. Happy to report that my dog is doing well and Embrace could not have treated me better!

In September 2018 I noticed that Jake was limping and seemed to have pain in his right hip. After taking him to the vet and having Xrays done, it was determined that our 4.5 yr old lab-great dane mix needed a new hip. I immediately called Embrace to find out what had to be done to ensure the insurance would cover this, indeed to find out IF they wound cover this. Imagine my joy and surprise when I was told, "Of course this is covered, let's start the paperwork so that it is precertified." WOW!!!. Within a matter of minutes, it was all done and Jake was set. Paying for something like this is a big deal and you wonder how to afford it. Embrace made it all so simple.

My husband scheduled our dog's annual physical and I didn't know about it until after he'd already taken her. I've explained to him more than once that insurance will only cover one physical per year (humans & pets) so they have to be scheduled for at least a year after the previous physical. This one was less than 10 months after her previous physical.

On April 1, I took my cat in for a vet appointment and I was told she was in kidney failure and would need kitty dialysis to survive. The estimate was $4500 for 5 days at the emergency vet. I called Embrace and they stated that although they cannot confirm or deny coverage over the phone, the treatment should be covered if I filed a claim for it. Sadly, my cat did not respond well to treatment and after a day had passed, they recommended euthanasia. The total vet bills came to $1900. I submitted the claim and it was accepted almost immediately. They covered 80% of the cost, less the deductible, and I received payment within days.

My dog was diagnosed with a cruciate ligament tear, and the diagnosis was my first claim. This claim initially took WAY too long and the communication with me (or complete lack thereof) about what was causing the hold up was extremely frustrating. Every time I called in, a different person gave me a different reason and then claimed to resolve it, only for nothing to be updated and the claim to not be processed. In fact, the first time it was processed, it was declined due to the processor not reading the date of the invoice, but rather reading the date of her vaccinations that is logged on all invoices. That type of mistake is pure laziness.

I have had Embrace insurance on my 3 collies for the past 6 years, and the first time I used it, it exceeded the deductible, which was so worth it. They didn't give me any trouble, and the refund was FAST. Love Embrace and so glad we have it.

Our latest experience with Embrace insurance was the second in less than a year! Unfortunately, our 5 year old Boxer mix, Tank, has a habit of shredding and eating toys that ultimately landed him in the OR for a gastrotomy. After a brief stay at the hospital, he was back on his feet and looking for the next toy to destroy. Embrace's claims process was quick and easy, and they provided timely updates all along the way.

I cannot begin to express what a wonderful company this is. My kitty was sick and I had to go to several vets for second opinions and finally to a specialty vet who diagnosed her with cancer. It was horrible to let her go. I was able to do all that I had to do for her to find out what was wrong because I had Embrace to help with the costs. THANK YOU EMBRACE!

My dog passed his 11th birthday (approx, because he is a rescued dog) and he started with a severe cough. The insurance allowed me to visit different vets to get a second opinion, it also covered my visits to the specialists afterwards. So far, I can't complain (I receive 80% reimbursement, as set in my policy). The customer service is also very good. Always responding my emails. Thank you Embrace!

I really love Embrace! Their customer service is fantastic and the turn around time for processing claims is expedite. If there is a problem with your claim the claims processing team will reach out to you in a timely manner. And, if you don't understand some things or the terminology they gladly explain. I am very happy that I chose this company to handle my pet insurance needs because they are not expensive and you receive reimbursement for almost any and everything, things like shots, check ups and even grooming! Proud Client! Melissa.