Embrace | Pet Insurance Review

I have always had small pets and cats. Finally got around to getting pet insurance for my Aussie Mist. Embrace recommendation via my vet. I liked the interaction when I called Embrace and the wellness reimbursement. Also, credit for spade-neuter. Well, had NO idea young cat thought she was a dog and ingested Pom poms. Thankfully, she did well with surgery. She will never be a show cat- but we love her! Thank you Embrace.

I got pet insurance for my Bernese Mountain dog because I heard stories from other owners about how prone this breed is to injuries or to eating foreign objects and needing surgery. I never thought I’d have to use it because my dog got hit by a car. In a very stressful time, I was worried my experience with Embrace would be like my experiences with car insurance, home insurance, etc. I was glad to find it was NOTHING like my other bad experiences. The staff is kind, patient, and knowledgeable. They say claims can take 10-15 days but it only took 3 business days for them to start reviewing/accepting my claims. It doesn’t feel like they’re just trying to make money off of you, it feels like they are happy to be able to help provide healthcare for your pet. They’re able to explain to you exactly why your premium is what it is, and I really appreciate that transparency. I highly recommend pet insurance for everyone, but especially insurance through Embrace.

My dog developed diabetes and a few months later he developed Cataracts. Embrace covered the costs of the insulin and the cataract surgery so my little guy could see again. If they weren't able to do that I might have had to put him to sleep. While blind he was a small shell of the dog that he was and I wouldn't have been able to make him live like that.

I have been pleased with the results from Embrace. They are quick about processing claims. I like the process of the reimbursement being deposited in our checking account.

We have a 10 year old Golden doodle. She is in good health. We had a neighbor recommend this insurance and our eye vet also raved about it. We found Embrace had the best annual fee and 80% plan with a $750.00 deductible. I assumed we would not need it as she was well. One day on October 10th without any notice or symptoms, she became lethargic, unresponsive and labored breathing. Within 8 hours of the onset of this illness, she was found to have a grapefruit size mass growing on her spleen. Worse it burst open and she was about to die due to internal bleeding. Because we had insurance we opted to try and save her and emergency surgery performed. It is now 3 weeks later and she recovered, tumor was benign and best of all Embrace paid the claims without hassle. If we did not have insurance we would have put her down. The total bills were around $6500.00, not cheap but after we met our deductible they swiftly approved and paid the remainder at 80%, no questions asked. This illness was very unfortunate. I hope they will renew me after our year is up! If they do and don't jack up my rate, then this company may be the best ever. I read on one review before buying, pet insurance is actually "economic euthanasia insurance". It very well was indeed and now we have our dog back hopefully for several more years. Thanks Embrace.