Embrace | Pet Insurance Review

Adopted my puppy last February at just under a year old as a rescue from the Texas hurricane last summer. Heartworm testing was negative when I got her, but turned positive soon afterwards in spite of HeartGuard. The vet thought she could have been infected in Texas but with a longer than usual time for antigen positivity to develop. Anyway, the treatment takes months and isn't cheap so I was happy that the portions of my vet bills treating this disease are being applied to my deductible. It took a little time as the vet didn't write Heartworm Disease on the claims form but everything turned out OK in the end and the Embrace staff were very kind and helpful.

Every claim is researched and if meets the criterion under the insurance it is paid abruptly. Their extremely fair and I can not say anything that I wasn't absolutely satisfied . They pay quickly and accurately !

I've had embrace insurance for my dog for over 3 years now and they have been great. Previously, my dog was stung by/ate a/ bee and ended up being highly allergic and had to go to the emergency after hours animal hospital. This happened on THE VERY DAY that her waiting period was up so I was worried they were going to give me a hard time about the claim, but they didn't! It was covered and I was reimbursed quickly. Now my dog came down with a mystery illness and was running a really high fever and after 5 vet visits, we still didn't know what caused it, but embrace covered each visit. I never submit the required forms either, it's so tough to get my vet to fill it out during the visit, so I just take a picture of the receipt and submit it online and Embrace even reaches out to my vet to get the report from them. Overall, the customer service is great and super responsive via chat, and the claims process is super easy. They also cover medications as part of the accident/illness claims which many other companies don't and we all know they can get pricey.

Embrace has been the bomb for me, I would not of been able to financially take care of some emergencies my pets have had. I can manage the monthly premium. They have been absolutely the best for me. I have been doing business with them for 3 years, 3 different pets and they all have had claims. I urge everyone if you are going to have a pet get the Insurance for them. They need it just like we do!

I bought Embrace after I had an uninsured dog need thousands of dollars of vet care. I especially like the medical savings plan. I use it for dental cleanings, annual exams and shots, heartworm and flea/tick meds, and nail trims. Where else can you get more than you pay for?