Embrace | Pet Insurance Review

We had a $177 routine checkup and ear infection bill for our otherwise healthy 3 1/2 year old Golden, which we dutifully submitted. After having the vet send several years of doctor's notes to Embrace, we finally got "reimbursed." Out of the $177, only $26.40 were eligible and were applied towards the $500 annual deductible. It turns out that only the ear infection antibiotic was covered. The heartworm test, heartworm preventative, and fecal test... all disallowed. So, this insurance is really for catastrophes and serious injuries, not for routine doctor visits. We hope that we don't ever have to use it. We still want the insurance, but we were very disappointed that all the routine charges were not applied to the deductible.

All Wellness claims have been received and paid in a very timely manner. E-mails from the company are friendly sounding. Paperwork is easy to complete. The puppy is under a year old so we will see how it goes if and when other claims are to be filed. Thanks, Embrace!

After being a insurance broker for 45 years I know a good carrier and this is one. Have had coverage for 2 yrs. in second year have had my first claim . They did a professional job . I'm happy so is my dog everything worked out for best outcome she OK ,I did get reimbursed as per my policy conditions .

When we got our first dog my dog owner friends all told me to get her insured right away. I've only had cats and never even heard of getting insurance for them. But I took my friend's advice, shopped around and chose Embrace. I liked what I read and I also liked that they were a local (Midwestern) company. So far so good. It took me a while to understand what the "wellness" portion covered and what the "insurance" portion covered, now that I've got that figured out, it's all good. We use the Wellness portion more... for routine exams, shots, flea & heartworm meds and even nail trimming, we have a tooth cleaning coming up soon and it will pay for that too...anything that is considered prevention. And you get reimbursed in full. We've only had to use the insurance part a couple of times for an illness and an injury, and that's not as good because it usually just goes to your deductible. When it will pay off is when we (heaven forbid) have a major expense with our doggie. Hope we never have to find out,but it's good to have just in case. Sometimes it takes a little long to get the claim through, other times it's really fast. Guess it just depends on their volume. Laura is good and always checks in to make sure we received our check. If you are considering Embrace Insurance, I'd say go for it!

Fast, accurate and worth every penny. New to the pet insurance and Embrace had the best reviews and was so well received. It might seam expensive and not worth it. Just like car insurance, when you need it it helps and is better to have it. I was treated with great respect and they also offered Military discount. The first claims were fast and accurate. I highly recommend You get pet insurance.