Embrace | Pet Insurance Review

I've had insurance on all of our dogs since they were 8-week old pups because dogs for us are not just pets, they are full-fledged members of our family. The thought of having to let one go because we couldn't afford an expensive surgery is just unthinkable. That said, I've always been skeptical about pet insurance companies in general. I've read a lot of bad reviews and horror stories about them, and have always wondered whether they would actually pay if we had to file a claim. I switched to Embrace a few years ago because the pricing was better than what I was paying and the reviews were good. I recently had to rush Carmela, our little Chorkie, to an all-night vet hospital 40 miles from where we live because they were the closest place open at night. Her stomach was severely bloated and hard as a rock, and I was afraid that she might have an intestinal blockage and might not survive the night without surgery. It turned out that there was no blockage, but the hospital really took advantage of us and the bill was over $1300.00. I submitted a claim to Embrace, thinking that this was the acid test. I had all of the required documentation, and according to my policy this was a legitimate claim. If they did not pay, I was going to forgo insurance on all of our dogs and start a dedicated savings account instead. Embrace makes the online filing very easy, and I got an e-mail in minutes confirming the filing and telling me I would hear back from them in 7-10 business days. This morning, a week later, I got another e-mail telling me that my claim was approved and a check was in the mail. I am very pleased and impressed with Embrace, and will continue to insure all of our dogs with them. I can't say enough about how highly I recommend them.

I have 3 dogs that are all insured with Embrace. I have a super healthy 4-year-old mutt who has never needed to file a claim other than for wellness visits, a 1-year-old dalmatian who needed surgery last year, and an 8-year-old chihuahua mix that was super healthy before I got Embrace. I am so glad that I got my Embrace policy when I did, because a year later, my super healthy chihuahua mix was diagnosed with IVDD. Since then, we have had more health scares with her, and the vet bills have added up. I am grateful that I have never had to worry about the cost of her treatment because I know it will all be covered by Embrace. Usually when I submit a claim, I get the reimbursement within a couple of weeks, however the last claim I submitted was this past Friday, and today (Tuesday) my claim was already processed and approved. And this is while every other company seems to be slowing down due to the coronavirus pandemic. I can't say enough good things about Embrace. I recommend this company to everyone I know, and I always remind people that the best time to buy pet insurance is while your pet is still healthy.

Excellent customer service and very quick response on the claim! Got my check in less than 2 weeks

Thank you Embrace. Our little man Diesel was diagnosed recently with lymphoma. We have been Embrace customers for 7 years. Embrace has paid our claims, no problems. Thanks so much. Highly recommended company.

We have had up to four dogs insured with Embrace at any given time. Embrace offers very competitive rates and we have been with them since 2014. They have always processed claims in a timely manner and we receive reimbursement via direct deposit very quickly. When I do call Embrace, their customer service agents are highly professional and very helpful at all times.