Embrace Pet Insurance: One of the Best?

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Bloodhound dog running in grassWhen it comes to choosing insurance for your pet there are a number of companies and policy types to consider. Embrace Pet Insurance is just one of the available insurance companies for pet owners to choose from. In this comprehensive review, we will take a look at Embrace Pet Insurance including who they are, what they offer, pricing information, pros and cons, and how to take advantage of discounts and savings on your policy.

Visit Embrace’s Website

Who Is Embrace Pet Insurance?

Embrace didn’t make our top three in our pet insurance comparison but they do have great customer service and high reimbursement rates. Embrace Pet Insurance was founded in 2003 when Wharton MBA graduates Laura Bennett and Alex Krooglik decided they wanted to make a difference in the pet insurance industry. It took a few years to get Embrace Pet Insurance established and off the ground but in 2006 the first policy was sold. The journey of establishing Embrace was a long one punctuated by many highs and a few obstacles, but by 2011 the Ohio-based company was beginning to show positive cash flow.

Who Is the Underwriter for Embrace Pet Insurance?

An underwriter in insurance is someone who assesses the level of risk that is associated with a person, an asset or an activity. This assessment is used to determine premium pricing (your premium is the amount of money you pay out-of-pocket for your insurance policy) for the insurance company. Embrace Pet Insurance is underwritten by American Modern Insurance Group for all states and the District of Columbia except for Florida, which is underwritten by American Southern Home Insurance Company.

Review Overview

Policy Coverage
Customer Service & Reputation
Timeliness of Claim Payment
Price of Policy

3.88/5.00

Embrace pays claims within 15 days and has good customer service. However, their prices could decrease and they do have more exclusions than other pet insurance providers.

What Is Covered by Embrace?

Covered by EmbraceNot Covered by Embrace
Exam FeesTreatment for an illness related to teeth and/or gums
Laboratory Tests and BiopsiesBreeding, whelping or pregnancy
Hospitalization and SurgeryPre-existing Conditions
MRI and CT scans, X-rays, UltrasoundInjury caused deliberately by you or any other person residing in your home
General, Specialist and Emergency CareInjury or illness resulting from fighting, racing, cruelty or neglect
Allergy TestingCosmetic procedures such as tail docking, ear cropping or dew claw removal unless medically necessary
Acupuncture, Chiropractor, Holistic MedicineDNA testing or cloning
Physical Therapy including HydrotherapyOrgan transplants
RX Medications (unless you opt out)Avian flu
Laparoscopies, Laser SurgeryNuclear war (yes, really!)
Accidents
Illnesses
Genetic Conditions (such as hip dysplasia)
Chronic Conditions (such as asthma)
Dental Trauma
Cancer Treatment including Chemotherapy
Cremation or burial
Additional fee

Optional Coverage Under Embrace Pet Insurance

In addition to the services that come standard under the Embrace Pet Insurance plan, there are additional services that pet owners can purchase.

Prescription Drug Coverage

For pet parents with healthy animals, prescription drug coverage may not be needed. However, if your pet has chronic health conditions and requires monthly medications, then prescription drug coverage may make a lot more sense. This coverage offers reimbursement for drugs prescribed by a veterinarian for at home administration including pharmaceuticals given for pain relief, allergies, ear conditions and/or topical ointments. Most pet insurance providers include this coverage at no extra cost.

Wellness Rewards

Wellness Rewards is another optional program offered by Embrace to maintain your pet’s health via preventative measures. This program is rather unique in the pet insurance category. There are three allowance levels offered for this program: $250, $450 and $650. This program gives an allowance with “bonus cash” that can be applied towards:

  • Wellness exams
  • Vaccinations and titers
  • Flea, tick, and heartworm medication
  • Spay/neuter surgery
  • Fecal exams
  • Routine blood tests
  • Microchipping
  • Behavioral training
  • Umbilical hernia repair
  • Gastropexy
  • Toe nail trimming
  • Routine anal gland expression
  • Routine chiropractic care, reiki, massage therapy, acupuncture
  • Anesthetic teeth cleaning and dental illness
  • Prescription diet food from Hill’s, Purina, Wysong, or Royal Canin
  • OFA & PennHIP exams and X-rays
  • Nutritional supplements
  • Medicated shampoos
  • Pet training/behavior sessions
  • Pet activity monitors
  • Grooming
  • Cremation/Burial

What Is a Pre-Existing Condition?

Most pet insurance policies offer their own definition of a pre-existing condition. This can be confusing for pet parents to understand. Under the Embrace Pet Insurance plan pre-existing conditions are defined as conditions that an animal has experienced prior to policy coverage, whether this condition was diagnosed by a vet or not. Embrace distinguishes between curable and incurable pre-existing conditions. A curable pre-existing condition may be a bladder infection or an upper respiratory infection. These types of illnesses can be treated and completely eliminated. An incurable condition may be hip dysplasia, cancer, orthopedic illness or injury on the opposite side of a prior injury, allergies and hyperthyroidism.

Pros

Cons

  • No per incident limits on their claims as they use an annual deductible method of accounting
  • No lifetime limit
  • Offers optional wellness rewards
  • Embrace is affordable on a monthly cost basis with an accident only policy premium starting around $20 a month for a 10-year-old Labrador Retriever
  • 5% discount for payments made directly from bank account
  • BBB rating is A+
  • Claims are paid between 5-15 days
  • No additional waiting period for ACL surgery or hip dysplasia
  • No transaction or one time fees
  • Requires a 2 day waiting period for accidents (14 days in some states), 14 day waiting period for illness coverage and a 6 month waiting period for orthopedic conditions, but can be reduced to 14 days through their Orthopedic Exam and Waiver Process
  • Only covers pets age 14 and younger for accident and illness
  • If one leg has a CCL (ACL) injury prior to enrollment the other leg will not be covered even if there are no prior issues. It is considered a pre-existing condition.
  • No live chat and limited phone hours
  • Prescription medication coverage costs extra
  • No unlimited claims options

Embrace Pet Insurance Pricing Quotes

Pet owners have full control over the cost of their pet’s coverage plan. Embrace offers pet owners a variety of customization options including varied levels of reimbursement percentage, varied deductible amounts and optional coverage programs. In addition, pet owners can set an annual maximum coverage amount, choosing from $5,000, $8,000, $10,000 and $15,000. Annual deductibles can be set at $200, $300, $500, $750 or $1,000 per year. Reimbursement percentages can be set at 70%, 80% or 90% per visit. Quotes below are from May 2017 and do not include prescription coverage.

BreedLabrador RetrieverGolden RetrieverGerman ShepherdYorkshire TerrierYorkshire TerrierYorkshire TerrierMixed Breed Cat
GenderMaleFemaleMaleFemaleMaleFemaleMale
Spayed/NeuteredYesYesYesYesNoNoYes
Age28464 months7 months2
LocationIowa (zip code 50125)Illinois (zip code 60631)California (zip code 92027)New York (zip code 10012)New York (zip code 10012)Iowa (zip code 50125)Ohio (zip code 44108)
Price Per Month$33.34$32.29$43.65$53.75$50.73$25.79$25.26
Reimbursement Level80%70%80%90%90%80%80%
Annual Deductible$200$500$500$200$200$200$200
Annual Maximum$10,000$5,000$8,000$5,000$5,000$10,000$10,000

Embrace Pet Insurance Reviews

Read about how Embrace has treated these real life customers. We’ve got the good and the bad to share with you.

Positive Reviews

It took Embrace about 6 weeks to pay our first claims.  They did pay exactly 100% of everything we thought would be covered under our plan and that was good to see.  This was their first claims to pay for us and I can hope that future claims would go through more quickly now that they have  our dog’s medical records.  I never dreamed that my beloved super super healthy little pup would end up having a heart condition. I am super glad that we had gotten this insurance before and that it will now be here to help fill-in with any expenses that might occur because of his condition or anything else that might happen. It is an added expense each month and so is having a dog. He’s a family member and we take care of him  just as we do anyone else  in our family. – Jacky T., Yelp 3/23/2017

AMAZING EXPERIENCE! Super affordable, easy to get in contact with, and the employees actually care! I file wellness claims all of the time and I get my reimbursement very fast! if you take the wellness package they offer it is totally worth it! It covers your flea/tick meds, heartworm, any checkups, vaccines, spaying/neutering, micro chipping and lots more! (all until you meet your yearly coverage amount though — which is still a reasonable amount of coverage!) I have a one year old German shepherd male and I am very confident if anything goes wrong with him, he is covered through Embrace. I went through a lot of research about pet insurance companies to see what was the most affordable and what sells the best products and Embrace is who I stuck with. 🙂 If you have the orthopedic check and they pass, they even cover hip dysplasia problems! AMAZING! This is a huge one for me because German Shepherds are prone to this sad disease. I would highly recommend this company to anyone for their pet! – Kacie C., BBB 4/30/2015

Negative Reviews

STAY AWAY FROM  EMBRCE PET INSURANCE, BIG SCAM.! They paid on a few of my claims, when my poodle had a fracture but denied all claims when he got bone cancer, saying it was pre existing, even after we sent all the previous years clean/ no problem  vet  report. They will find something to deny your claims, be careful, ask your vet  for recommendations,  do not use them! – Marianne M., Yelp 1/26/2017

I’ve had a police with Embrace for almost 4 years. For the first 3 years I would have given them a 5 star. Everything was great. I recommended them to many people. But the past 8 months it’s like the entire company changed. Claims are always messed up. It takes them 3 weeks to get around to even start to process a claim. Claims are denied because of their mistakes and it takes multiple phone calls and emails to get them to make corrections. I gave them 2 stars because they were good in the past. If I was rating them on the past 8 months alone it would be 0 stars. – Joy W., BBB 3/30/2017

Why Should I Consider Embrace Pet Insurance for my Dog?

  • Embrace clients are free to use any vet and do not have to stick with “in network” veterinary clinics.
  • Good customer service quality reputation.
  • Claim refunds are made based on vet bills that are submitted rather than set amounts.
  • Clients can customize their pet’s policy to fit their pet’s needs and their financial budget.
  • Pets are protected for a lifetime with coverage of chronic health conditions.
  • 30 day money back guarantee.
  • Embrace is an environmentally friendly company.

Why You Need Pet Insurance

Wondering why pet insurance is important? See what this Embrace Pet Insurance rep has to say about pet insurance.

Not Sold on Embrace?

Did you know that 50% of dogs over the age of 10 develop cancer at some point in their life? Unfortunately, those odds may not be in your dog’s favor. That’s why doing your research before buying a pet insurance plan is not only smart but it demonstrates your love and responsibility as a pet parent. We invite you to read through our other pet insurance articles so you feel 100% positive about making the best decision for your furry friend.

What questions do you have about pet insurance before you buy?

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

Growing up, Kimberly used to get the sniffles when she was around dogs. Thankfully, she grew out of her allergy and is now able to play and snuggle with dogs as much as she wants! She adopted Sally, a four-year-old hound mix, in early 2017, and at the end of 2017 she adopted Kopa, a one-year-old treeing walker coonhound. She and her husband are loving life as pet parents.

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32 Comments on "Embrace Pet Insurance: One of the Best?"

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Jaclyn Scarborough
Jaclyn Scarborough
Embrace’s 30-day cancellation policy is an absolute sham. I requested a medical history review less than 2 weeks after I signed – up. I didn’t get it for almost 3 months later and surprise, surprise! Absolutely every symptom of his is listed as a preexisting condition. So therefore, the policy is useless to me and now I have paid 3 months into it (estimated $180). I was told by Embrace they would not refund it as their terms are that ‘We need the complete Medical History’. Yet as of Oct. 11, I was told it would take 7-8 business days. By Oct 25, I still didn’t know what was missing! Very easy to see that Embrace will purposely delay Medical History Reviews claiming that ‘we don’t want to bother you the client’ to get the missing information so they can continue to fraudulently bill you.

When I called to inquire about the long-delayed medical history review, they still couldn’t answer my questions. Then they hung up on me and canceled my policy even though I was still waiting for answers.

STAY AWAY FROM THIS COMPANY! They are very difficult to work with and will list everything possible as a preexisting condition to avoid paying claims.

Linda
Linda
Not very happy with them. First claim submitted 8-31-17 for trip to regular Vet (8-26-17) then for the ER 2 days later for same issue. Did receive a confirmation that claim was received. Submitted second claim, continuation of original, 9-6-17. Never received a conformation so I called them. They said they hadn’t received it. Sent it again. Said now they need her medical history, Vets office faxed it to them 9-6-17. Had 2 more claims regarding same issue, submitted 9-11-17 and 9-14-17. Checked on line as to where claim was and it said “pending medical history”. Called again. This time I was told yes they had received medical history from both the regular Vet and the ER Vets but still hadn’t “processed” it. Really?? They have had it almost 3 weeks? Add to that another 10-15 business days to send any payment. I had PetPlan for years and ALWAYS received my reimbursement with 10 days without all this BS. Unfortunately they changed underwriters and the premiums went sky high. Seems as thought they are going to try to get out of paying this even though dog has never had an issue with her back. Not sure how injury happened but was definitely not pre-existing. In the interim I am racking up interest fees on the $4,000.00 or thereabouts that was charged to my credit card. Will be looking for another company to insure other dog after they decide what if anything they are going to pay.
L Adams
L Adams
I chose Nationwide (used to be Veterinary Pet Insurance) over Embrace. Embrace requires that claim forms be filled out by the vet’s office; Nationwide does not. Also, when I would try to call the Embrace customer service phone number, would often get a greeting that indicated wait times were 15 minutes. I also did not like the number of forms required (including a full orthopedic exam) for my dog to be covered, and the exclusions for pre-existing conditions were discouraging. I had Nationwide/VPI for my first dog, and when she died, the folks at Nationwide handled her final vet expenses kindly and promptly. When I got a new puppy, I thought about going with Embrace, but Nationwide was a much better option to me. I will stay with them.
C. Martinez
C. Martinez
I was happy until I relocated because of a new job and they raised my monthly rate from $15 to $25 based on my new area’s average vet cost. Not gonna lie, it left a sour taste in my mouth and I’m not happy.
Katie
Katie
This company does not cover anything for dogs who have “pre-existing conditions”. It is a travesty that dogs that are older can’t get the care that they need, but I guess that is how people insurance for people works too. It’s all a scam and they are all in it for money. I’m sure other companies are like this too and it’s ridiculous. This is the time that dogs need it the most when they are older and claim after claim is being denied for our poor Boston terrier. This is literally draining our bank account. We are probably better off without any insurance at all.
Kimberly Alt
Kimberly Alt
Have you looked into changing pet insurance providers? Unfortunately, I’m not aware of a company that covers pre-existing conditions but there may be a less expensive alternative. You can read about the top three companies we’ve ranked here: https://www.caninejournal.com/pet-insurance-comparison/.
Gloria
Gloria
I had insurance for my last Pug and they were wonderful. I waited 4 hours too soon and healthy paws turned me down! I wasn’t going to let my dog suffer another hour thinking they’d overlook 4 hours but I was wrong and paid the full $400.00!
Loren Goldstein
Loren Goldstein
Total scam. They ask for medical records when policy starts to review for pre existing conditions. Then when you submit a claim they look at the records. Not before as implied or what makes sense. Then when a procedure is done they scour the records for existing issues. Seems backward. Now they say that skip lumps on my dog which were removed while already under anesthesia for dental cleaning are not covered because of a prior note about a skin tag. A skin tag is a small piece of extra skin that need mot require removal. These were lumps which required surgical removal and deep sectioning to remove completely and sutures. This medical condition is being refused entirely because of a notrle about a similar but medically different condition that does require removal. At Embraces suggestion I had the Vet write a new letter to explain and yet Embrace still claims it is excluded. Cancelled policy, got premium back and now I will complain to Attorney General, Insurance commissioner and BBB. Total scam.
Jaclyn Scarborough
Jaclyn Scarborough
Same thing happened to me! I will also be contacting many governing bodies to report my experience.
Embrace Sucks
Embrace Sucks
I wish I could leave zero star. Purchasing Embrace is worst decision I have ever made. They will try whatever they can to decline the claim and label it as a pre-existing condition.

Then it comes to the appealing process. Firstly, they told me that their consultant vet (who has never seen my pet nor could they provide proof that their consultant vet reviewed every single world of the medial history) believes it is a pre-existing condition because of test A, however test A could be impacted by other things therefore a conclusion cannot be made if test B proves that test A is caused by something else. Once my vet and I proved that guess what, they told me that they still cannot cover the claim because there is another pre-existing condition which again was just a wrong interpretation of test results happened years ago. It almost let me feel that when they cannot give you a reasonable explanation for the wrongdoing at the first place they try to find all these details happened in the past to justify their decision even though they are unrelated. They do that because they want to delay the process and hope people will just forget it.

When being asked what I need to do to overturn the case they said: We will send a questionnaire to your vet to fill out. No response two weeks after my vet sent the questionnaire back to them and I had to call them everyday for the answers, once you are on their “blacklist” they will not return your phone calls or sometimes emails. Some days later they emailed me saying the information provided by the vet was not enough but no explanation whatsoever. I asked my vet to send me what they filled out and it turned out their questions were very vague, they either do not know what are the right questions to ask or they try to avoid to ask the right question because that’s not what they want to see.

It has been four months since the day I started to fight with Embrace and it turned out to be a very stressful experience and it makes me almost want to give up (yes, that’s what they want to see, you giving up). It was not until recently when I told them I am going to initiate legal action that they started to cooperate and told me and my vet what EXACTLY we need to do and provide instead of filling out stupid questionnaires designed to be useless. This could have been done four months ago. I will let everyone know what the final outcome is. I am really thankful that my vets are being so supportive and bearing all the stupid questions from Embrace.

I am not discouraging people to get pet insurance because they could be a good thing, I want people to be aware of the unlawful practices in this industry, please please do not give up when they reject your claims because of what they called the pre-existing condition, work with your
vet and being proactive on the appeals. We need to fight so that they will stop bullying the pet parents.

I also encourage people who have the same experience to write a review here so that more and more people know what Embrace really is.

Gloria
Gloria
I think the majority of pet insurance is buckling down. There really isn’t any sympathy out there
James R Clark
James R Clark
I have had Embrace for two dogs for about a year and I am extremely satisfied with their service, coverage, timeliness, honesty, website and reimbursements. I don’t think there’s a better option out there!!!
David
David
I’ve been a customer of their’s for 2 years now and have never made a claim. Now, they are raising my rate by 18%. This is completely unacceptable. I won’t be renewing my policy with them.
Lk
I'm trying to decide if I should get pet insurance but I find their websites confusing, unclear about requirements needed to be met or what exactly is covered as in: how the deductible is calculated, what type of caps there are on yearly costs and other important info. It would be nice if these things were included here. I also don't get the point of buying a wellness plan that costs $180 and has a $200 allowance.
Delen
Delen
I think this is borderline revolutionary thinking and I sincerely hope that in the near future we as human beings begin to be offered the same kind of options. It may be unlikely, but you never know. The first thing I noticed in this review was that Embrace was open and honest. When is the last time you heard of an insurance company (any insurance company) being open and honest? There are so many companies that are looking to take advantage of people and it's such a relief to know that there are companies out there that actually care about patients. Not only that, but this is a company that actually cares about their customers being happy and trusting. Finally, a company that understands that customer loyalty is something they must work for.
 
Cathy
Cathy
We have entered our second year with Embrace and still find them extremely easy to work with.  Implementing the account was explained well and process was easy.  I ask a lot of questions and all were answered satisfactorily.  The second year renewal was painless. The coverage is great and premiums fair.  I've compared many pet insurance companies and based on some of the coverage out there, Embrace seemed to always come out on top.  
My Lukkie has AIHA and considered a pre-existing condition.   Embrace was the only one to insure him.  It is nice to know that if he– God forbid– should have an accident such as break a leg, I know it will be covered.  I have not had to experience any accidents or illnesses yet, but the Wellness program is superb.  Routine claims are acknowledged within a day; approvals average within days and claims are refunded within four days to a week.  That is service!  
I have two shelties covered and I am a happy camper and more importantly I have peace of mind.   A dog's life span is not as long as ours, so I make sure I have the best for them to ensure they live a long and happy life. Having a good vet and good insurance brings everything together nicely.  My only regret is not having pet insurance sooner!
Tammy
Tammy
They offer a military discount but won't pay on services provided overseas unless it's for a deployment.  Sorry folks but we don't get to take our pets on deployment, only when we are stationed overseas, so that's moronic.  When we live overseas, our pets need coverage too.
Anonymous
Anonymous
Insurance is something that many pet owners don't consider because they immediately think it's out of their budget. This couldn't be any further from the truth. There are a number of companies out there that provide excellent services for less than $50 per month. You can usually find a basic plan for less than $20 a month. As a pet owner, if you can't afford this price, chances are you could never afford a large medical expense for your pet. In other words, you need to question whether or not you should own a pet.

I was impressed by Embrace for several reasons. First of all, the fact that it covers breed specific conditions is excellent. I also love the fact that the company cares about its customers. Many insurance companies only care about their bottom dollar. It's nice to see that not all companies are the same.

While I don't currently own a dog, I will definitely consider this company once I bring another fur baby into my home. I feel that pet insurance isn't a bonus, it's a necessity for raising a healthy pet. Those that can't afford pet insurance should at least start a savings account for their pet to cover any big expenses that come along.

Katherine Silcox
Katherine Silcox
I’ve had embrace since 2014. My first dog died before age 2. Now have embrace for 2 dogs So far so good. Am happy with the coverage. Wish wellness could be cheaper for more coverage but hey glad we have coverage. We used all our wellness for one visit for insurance purposes It included fora meds and shots so pretty good.
Anonymous
Anonymous
I think Embrace and other pet insurance companies are going to change the way pets are cared for in this country. For one, any pet insurance company should be inspired by the way Embrace seems to have learned and grown from its early beginnings into a cherished and respected company. They have an openness and honesty policy, which if you have ever dealt with an insurance company on any level you will appreciate thoroughly. They focus on you and your pet and are willing to discuss covering something with you and work with you while your pet is sick or injured. The customer service is prompt and friendly. These are the kinds of services that people should get used to when they buy an insurance plan! Environmental awareness is an additional perk to this, too. What got me most though, that I did not know about previously, was the aspects of the Customer Bill of Rights, which sent me over the edge on how far above the fold this insurance company is. Use the best veterinary care possible? Explanation of coverage? Quick response times even? This is so far above and beyond my wildest expectations. Forget just my dog– sign me up too!
Anonymous
Anonymous
When people own dogs, it's like there's an unspoken bond.  We understand how sweet and loving these creatures are.  Their unconditional love makes our hearts to become warm.  I think it is so funny that pet insurance really hasn't been around for more than a few years.  I honestly don't think it's been around for even 10 years, but I could be wrong.  I don't remember hearing anything about it before 2 or 3 years ago.  In any event, it is much newer than human insurance, and it's funny, human insurance companies claim to offer this type of service, and I haven't found one yet that does.  But one of the very first pet insurance companies to even hit the market, builds their company on openness and honesty?  This is a true showing of how wonderful our pets are and I think they really deserve coverage like this.  I wish that us humans could have insurance like this.  I feel so confused with insurance sometimes that I feel like I'm dealing with an auto mechanic.  It took me years to understand completely what was going on with deductibles etc.  All I understood was co-pays.
a clever canine
a clever canine
I am having trouble understanding the excellent reviews on this page for Embrace. Since signing up for this insurance they have put massive monetary burdens on me. First, they insist nothing orthopedic will be covered for 6 months unless I get a new Vet checkup–Included are bone cancer and breaks?? How the heck can a Vet tell you if your dog is gonna break a bone within 6 months? Wouldn't that be an accident rather than a pre-existing condition? Now I have received a request for TOTAL health history from all her Vet visits since she was born 5 years and 3 different Vets ago.. They say: We know this could be an onerous request..Onerous? Pretty near impossible!
Seems to me that they are concentrating on 'not having to pay a claim' as they can go back 5 years and say, "Oh your dog was treated for an ear infection before, sorry, we won't pay that." I see now why the premiums are so low. I am cancelling this policy as I see only frustration and grief in the future when and if I file a claim for accident or illness. They make it sound like a pie in the sky deal and now I'm pretty sure that's exactly what it is.
Sara from Embrace
Sara from Embrace
I'm so sorry to hear you're disappointed with your Embrace coverage. I hope I can clarify a few things for you! Embrace's orthopedic waiting period is to avoid fraud – those people that might allow their pet to limp through a 14 day accident/illness waiting period to get coverage for something that was pre-existing to the policy.  However, we have our orthopedic waiver that allows you to waive that waiting period down to the 14 days with a simple exam by a vet.  It doesn't have to be a full vet checkup just a physical exam checking the knees, hips, and feet to see if he has any orthopedic issues.  If you have our Wellness Rewards that exam would even be reimbursed!
I'm surprised to hear that you were asked for your pet's full medical history. That is not our policy – we general request only 12 months.  I'd have to take a look at your account to give you a definitive answer on this but it may be a mistake or a miscommunication. If you'd like, I'd be happy to look things over and explain why/if we need that full history.  Please don't hesitate to email me at smr@embracepetinsurance.com.
Again, I'm so sorry your frustrated with your coverage and hope you'll consider sticking with us.
Sincerely,
Sara Radak
Community Engagement Coordinator
Embrace Pet Insurance
Treva Whichard
Treva Whichard
This is what is happening with my claim (my first and only claim since signing on with Embrace in 2015). Going back into my dog’s medical history after I filed a claim for treatment that was the result of another dog attacking my dog. I called today about my claim (EC0039-8142, filed Sept 12, 2016 for a dog attack on Sept 8 and visit to vet). Embrace is looking at what they call an “emergency surgery” with Tufts Vet clinic in Massachusetts on Feb 2015! That was for my rescue dog’s 3rd and final oral surgery (not an emergency!) after I adopted her on Dec 18, 2014. Last Hope K-9 Rescue paid Tufts for that surgery that has absolutely nothing to do with a dog attack 19 months later. This is a stall tactic for trying to find a way to not pay any of the $106 vet bill – the hours of employee pay to research this costs more than the vet bill for pete’s sake.
Poor, poor management of a business. Poor, poor stewardship of my monthly premiums. You are losing money just researching a surgery that was paid for by Tufts Veterinary and Last Hope K9 Rescue out of Boston. I even have Wellness coverage which I haven’t even bothered to make a claim on even though I keep up with my dog’s shots, heartworm preventives, etc. I am done with Embrace.
Treva Whichard
Anonymous
Anonymous
The first thing I noticed in this review was that Embrace was open and honest. When is the last time you heard of an insurance company (any insurance company) being open and honest? There are so many companies that are looking to take advantage of people and it's such a relief to know that there are companies out there that actually care about patients. Not only that, but this is a company that actually cares about their customers being happy and trusting. Finally, a company that understands that customer loyalty is something they must work for.

Throw in the fact that this company is not only caring and honest, but also offers an excellent service, and I can't imagine using any other company. The fact that Embrace offers services that many other insurers don't is excellent. As a pet owner who has seen cancer first-hand, I was also impressed that this company covers expenses associated with cancer.

I will definitely be making note of this company for when I adopt my next dog. I want to be able to give my dog the best care possible and insurance will certainly make that easier to do. Thank you for such a great overview.

Anonymous
Anonymous
I have been reading a lot about pet insurance providers lately and one thing that strikes me is that they are often very similar to our own insurance companies in that they only allow you to go to certain doctors or veterinarians that are within their network of care practitioners.  That policy, while I understand how it works, always seemed counterproductive to me with the goal in mind of providing good health care to a company’s customers.  I mean, if we are aiming to be healthy and prevent continual health related problems, should it not be sensible to say that you can find the best care possible? 

Embrace Pet Insurance seems to understand that one of the keys to a healthy pet that will not require multiple claims would be to find a competent and caring veterinary clinic that will truly help the animal live a better life.  I think this is borderline revolutionary thinking and I sincerely hope that in the near future we as human beings begin to be offered the same kind of options.  It may be unlikely, but you never know.

Anonymous
Anonymous
I have had pet insurance on my radar for several years now as I used to work for an advertising agency that looked at gaining some of those types of clients.  Back then, the selection available to pet owners was pretty limited and I heard that it was mostly a one-size-fits-all kind of a deal where you could pay a flat rate at the outset of the policy and go from there. 

Nowadays, I see companies like Embrace Pet Insurance that are taking great strides towards creating a much more personal experience for their customers and starting to pay much greater attention to the customers service aspect of doing business.  This tells me that the industry is getting much more competitive in the past and to the benefit of the customers in question.

Reading through Embrace Pet Insurance’s policies and their overall credo, I can tell that they aim to be one of the premium pet insurance providers in the marketplace and I am certain that there are many pet owners that will be willing to pay a bit more for better service.

Anonymous
Anonymous
I recently switched my healthcare provider across the board for my medical, dental, and eye care insurance.  I have not been disappointed with the change thus far but it has reminded me just how confusing and difficult it can be when you are trying to figure out what is covered by your policy, how much upfront expenditure you are responsible for as a patient, and who will actually be covered as a health care provider. 
Why must it all be so difficult?  It seems like everybody is trying to pass the buck and avoid having to pay or cover any kind of expense when it comes down to it.  From what I understand about Embrace Pet Insurance, they simply want to let their reputation and service stand on its own and let the customer make the decisions about what they want. 

Perhaps someday it will become more commonplace for insurance providers to behave in this manner and give their clients a more clear picture of what they are entitled to up front without having to weed through pages of literature.

Anonymous
Anonymous
Pet insurance is not only the responsible option for every pet owner, but it can save a lot of money for everyone in the community. I have seen all too many instances where a pet owner needed expensive emergency care and could not pay, and the situation always results in either a tragic loss of a beloved pet or a tragic inability of the owner to pay and the veterinary hospital losing out. Pet insurance companies such as Embrace offer an alternative to this situation that I think is a win-win, because for an affordable monthly premium, a pet’s life will be saved and the hospital can be paid for its services, too.

Embrace surprised me with some of its innovative coverage. I wish more ‘people insurance’ companies were as brave as Embrace! Covering emergency room visits seems like a standard insurance offering, but covering hydrotherapy, pet massage, homeopathic medicine, and breed-specific conditions is nothing short of amazing. If just having pet insurance is a win for pet parent and community, this is like winning the Olympics of pet care, since these types of treatments prevent more expensive emergency visits and can extend a pet’s life to boot.

Anonymous
Anonymous
I have to say, I am really impressed by this review. This insurance company seems to be something completely different than I am used to dealing with. Most insurance companies treat you like you should be thanking them for allowing you to give them your money. In fact, it is hard to find any kind of service anymore that actually appreciates their customers. Even the teens at McDonald's act like you should feel fortunate to have the sling a bag of cheeseburgers at you. This trend is very disturbing. The only good thing about it is that poor customer service ends up making companies like Embrace stand out above the rest.
I have been looking for  good insurance company to go through. But I m very picky about where I spend my money. I want good service and I don't want to be a number. I want to be able to make my own choices and actually use my insurance without worrying about penalties in the form of increased cost. The fact that they are environmentally conscious is a major plus as well!
Anonymous
Anonymous
Many people overlook the value of pet insurance. Of course, these are usually the same people who go without health insurance for themselves. And, truth be told, insurance is something you hope you never have to use, but you're really happy to have it when you do need it. Vet bills can be incredibly expensive and having the right pet insurance can mean the different between treating and euthanizing your pet.
I received a quote from the company and was pleased with the costs. I can insure my pet for as little as $20 per month or I can get the top plan for around $60 a month. Personally, I found that the middle of the road plan was the best option for my dog. It offered everything we needed to handle accidents, prescriptions, and anything else that she might need. What really impressed me about this plan though was that it covered vet exams. Most plans are focused on accidents and not so much on daily care.
I'm not sure if I would use this plan or not. There are so many plans to choose from, but this does seem like a great pet insurance plan. In fact, it's one of the best I've seen.
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