Embrace | Pet Insurance Review

I am very impressed with Embrace. They are very affordable - yes, the rates increase as the pets age; but still very affordable. I have had accident/illness coverage on my dog since she was about one year of age. She is now eight years old. Without Embrace, I never would have been able to keep up with the vet bills. After my $500 yearly deductible, they have covered everything I submitted at 80% from lab tests, x-rays, prescription medications, surgical procedures, dental work, office visits. etc. For each year you don't get reimbursed for any claims, they put $50 toward your deductible for the next year. I submit my claims online, and their turn-around time is very quick. I have never had a complaint with them in eight years. Also, they dropped some pre-existing conditions after six months. I have friends with pet insurance elsewhere and always hear of their complaints and that other companies will never cover any pre-existing conditions. Embrace has saved me thousands of dollars, and they have saved my pet. I wouldn't go with anyone else, as they are simply the best!! THANK YOU, EMBRACE!

I have been with in brace for several years, and have nothing but good things to say about them. They have always been very fair with every claim we have submitted. This past year we have submitted quite a few, and it has been such a comfort to know that they are there for us.

Service was very fast and helpful.

Our Zpearl got very sick with IBD and we had many vet and medication bills. True to their word Embrace covered everything as per our policy. Their kept me current via email about each step of the process and even put the reimbursement directly into my accounot!

I am very impressed how my claims are processed. No problem to get pre-certification for surgery if needed. Takes the stress out of it. The only thing I would say would be nice to have would be, if it was made more clearer that when Embrace covers holistic vet bills, that the holistic medications or herbs that are prescribed are not covered. I was kind of suprised with that. Considered they are so much cheaper than getting conventionell meds for same conditions. Otherwise love the insurance. Thank you, Embrace!