Embrace | Pet Insurance Review

They conducted a review of my dog’s history and found that one of her legs had hind limb. They said that leg can’t be covered until it has had no issues for one year which we had no issues with it. But, when my dog had to get an X-ray on a different leg they declined to cover anything. They said it was because of the hind limb on a different leg which wasn’t the one getting X-rayed. Also, when my dog needed a medication for allergies they would not cover anything. Then I received a coverage renewal email explaining they are going to increase my coverage cost by an additional $20 a month. Not worth it. We chose to cancel and put the money we use for the insurance into a savings account for our dog to use when she visits the vet.

Easy to submit claims

One of the Best Investments I've ever made in Insurance. The price of emergency care has sky rocketed. Last year I had a friend that adapted a puppy. After 4 months of bliss his puppy got cancer. Long story short puppy is doing well but it took 3 months of surgery's, chemo (yes chemo) and many visits to Vet and Vet hospital. For real his Vet bills totaled over $16,000. So when we got our puppy this year I checked into animal insurance. I heard all the horror stories that the animal insurance companies never pay but after extensive research and quotes I felt Embrace was the best bang for the buck. I've had pets before and hardly ever needed a Vet for other than basic wellness but my friends experience made me choose to try it out. My puppy policy was not very expensive at all. Needless to say my puppy at 6 months old was either stung by a bee or bit by a snake (never saw what did it to her) and she went into anaphylactic shock and almost died. Well the Vet hospital bill and follow up was over $2500. Embrace paid their contracted share within 2 weeks ($1800 or 90% after my $500 deductable), directly to my bank account. After initial required documentation from me they did all the legwork with the Hospital and Vet. Best thing of all was when the Hospital told me what was needed to save our puppy I didn't flinch about proceeding with the procedures, figuring that's why I got insurance. After all was said and done It sure was nice to know I didn't have to have our puppy either put down or take on an enormous amount of debt to save her. The peace of mind was such a relief. Vets and Hospitals are not cheap these days. I can't give enough praise to my Embrace experience and their part in saving my puppy's life.

It's very sad that people health insurance isn't as quick and easy to navigate as Embrace pet insurance is. The people at Embrace made the process so easy and were so incredibly helpful. Thank you very much to everyone at Embrace for making a difficult time less painful.

From the time we submitted our claim to payment the communication was timely and kind. Thank you!