Embrace | Pet Insurance Review

Our 2 year old pup Maggie, who for being the healthiest and happiest pup around, has had some random health issues; skin issues, fatty tumors, a broken tooth, some intestinal issues as a new pup. Our old insurer always found a way to not pay for anything, we got fed up and made the move to Embrace. They have been wonderful so far. They are clear about what the 'rules' are and communicate very effectively through the claim process. Be warned - they often require more paperwork from your vet than just the claim form and appointment notes, so the process is somewhat...interactive... but we have never been dissapointed by the results.

I decided 3 years ago to try this insurance. I had some claims the first 2 years which processed and paid promptly. But a few months ago I noticed a lump on my dog's leg. Tests and tests and a surgery later she was diagnosed with sarcoma. We opted for radiation therapy over leg amputation. Embrace initially excluded some small charges on the radiation therapy claim, my vet appealed and they were promptly paid. With each claim I've had the money in my account within 5 business days. With almost $10,000 in veterinary expenses, I would not have been able to treat my dog without Embrace and would've had to let the cancer progress. I am so thankful I bought this insurance and couldn't have asked for anything better.

I have been very pleased with the service I have received from Embrace. My 9-month-old pure breed Collie has a very serious heart condition that requires frequent visits to a cardiologist and very expensive meds. Embrace has been great to work with even when I appealed a claim. I'll never have a pet without insurance again.

My claim was submitted and paid within 10 days - and it wasn't the first time. Two of my dogs are alive because I had the ability to provide recommended treatment as opposed to the alternative. Most of the vets I use submit the forms for us as we leave the door and I have never had to wait more than four weeks for a check. As a matter of fact the check often arrives before the bill.

I thought Embrace Pet Insurance would be like any other insurance, meaning they will find any little excuse NOT to pay out the claim. I was pleasantly surprised when I learned this was NOT the case! Embrace was so helpful and answered all my questions. They were speedy and I felt like they do have the best interest of my dog. I highly recommend getting Embrace for your furry ones!