Embrace Pet Insurance Review
Embrace Pet Insurance Agency LLC is a pet insurance provider based in Cleveland Ohio that sells policies for dogs and cats. They were founded in 2003 and are underwritten by American Modern Home Insurance Company. Embrace has an A+ rating with the BBB, consistently positive online reviews, and is known for broad coverage and fast payouts.
ConsumersAdvocate.org Rating: 8.8 / 10 (Excellent)
#3 in Pet Insurance
92 Customer Reviews - see all reviews
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I had embrace for our hairy guy and boy am i ever glad i did! He was diagnosed with a tumor on his cerebellum in april 2017 and passed away on june 25, 2017. Just awful for us, so heart breaking, we lost a cherished family member but let me tell you, having the embrace policy made this awful, horrible event so much easier to deal with. His mri / blood work was $4,000, i submitted the invoices 2 days later and boom! ....Check was in the mail within 10 days!!!! 80% of his bills have been covered / reimbursed. I have since submitted invoices for his meds and sadly his euthanasia, embrace has issued checks for those expenses as well. We miss that boy sooo much but this policy really made... Read More
We took insurance for our then 7 month old puppy 5 1/2 yea s ago. We have made numerous claims since that time. Our dog has many allergies and we give him an injection weekly. Embrace has covered this and more and is timely with their reimbursement. We recently got a new puppy and their was no question that we would take out insurance on her with Embrace. I heartily recommend Embrace insurance for your pets
my cherished English Springer Spaniel, Shelby, has been undergoing three weeks of Vet visits and constant rounds of eye drops and pills for a very stubborn eye ulcer. Now that I have met my deductible, Embrace is there to help me. I could not have really been able to afford all these costly visits to the vet and the canine eye specialist if it were not for my coverage with Embrace. The staff at Embrace has been there for me...expediting claims and answering my questions. Joey and all the staff deserve heaps of praise for their excellent customer service and most of all, their compassion. Joanie Gevry
having insurance is always a big help. claims are looked at in a timely manner. checks are done in a timely manner.
Easy to process claims via the web site. Processing of our payment was seamless.
Please stay away from Embrace pet insurance. its a long story, so I'll give you the short version. We got a rescue, took her to the vet and they found nothing wrong, except for a slight problem with her knee. We waited the 6 months exclusion period and nothing got worse. Over thanksgiving she was in pain and I took her in for x-rays, her hips had deteriorated to the point of needing replaced. Our choices were put down the dog or get the surgery. I submitted to Embrace for pre-approval and they took 3 months to make the decision, which caused us to push her surgery back twice. They denied the claim, citing an observation that her first vet made, but had nothing to do with her hips.... Read More
I wanted you to know how pleased and happy I am with the service at Embrace Pet Insurance. My Goldendoodle has been insured with you for years. Whenever I submitted a claim you provided a prompt response with a clear explanation. I feel my dog is so well cared for by you that it puts my mind at ease knowing that I have the people at Embrace Pet Insurance to turn to for wellness tips and prevention as well as when my dog is not feeling well. My dog has been healthy for many years but this year when she turned 10 she started having some medical issues. Embrace covered much of the cost for surgery and follow up care. I wish my own health insurance could be as responsive and as affordable... Read More
The claims we have filed were responded to immediately. The communication is very good.
Cornwall-on-Hudson, New York
I thought many times about letting the insurance lapse and not renewing it but the older my pet gets the more he needs his insurance. Recently he was favoring his hind quarters and sometimes falling over to the side. I brought him to his vet and he was given Rimadyl to ease his joint pain. When he went back for his recheck the vet tested him for Lymes disease and to my surprise he tested positive. His medication cost 179.00 at Rite Aid and I submitted a claim for his Lymes and the medication. It makes it so much less painful when I know I am getting money back from our visit. I am grateful for Embrace at times like these.
Katonah, New York
Excellent customer care. Thank god i have insurance! It was very reasonably priced. My kitten has a pre-existing condion, but my animal hospital told me to just submit every bill and history and see what they choose to cover. It has actually been in my favor every time!! I get a lot back from them for everything my kitten needs! The only thing I wish Embrace was better at was sending my animal hospital the checks instead of myself. My animal hospital is great, by that they use the check first and then bill me. I have signed their waiver and sent it multiple times to Embrace to pay my animal hospital instead of myself for my coverage, but they still dont follow directions! Hope they get... Read More
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