Embrace | Pet Insurance Review

Signed my 8 year old dog (9 now) up with Embrace in early 2017. I enrolled my dog after spending $3k out of pocket on my sick border collie mix only to be told she needed surgery at an additional $8-10k and was given a 50/50 chance of survival (she had a mass in her intestines that had ruptured and the mass had potential pancreatic involvement). My border collie mix wasn't terribly old at age 11 and I had expected to have a few years left with her at least. Sadly this wasn't the case due to both cost and the survival prognosis. I held her and sat with her as I said goodbye. I didn't want cost to have any influence on my medical decisions for my dogs in the future. Embrace's policy was clear on what would and would not be covered, a medical review could be done upon request to determine if the dog had any pre-existing medical conditions, and an orthopedic waiver was an option to avoid the 6 month waiting period for bone/joint issues. I made sure Embrace received my pet's medical records shortly after enrolling along with going to the local vet to have an orthopedic exam done. This way I had assurance on what would be covered and if my dog was considered to have any pre-existing conditions what would not be covered. Later half of 2017 my dog injured his back. He got better for a while but had a relapse. The relapse resulted in further diagnostic testing which revealed he had developed IVDD. At this point my dog will need ongoing medical care for the rest of his life as dogs with IVDD have tendencies to relapse into being painful. Thankfully my dog can still have many years to spend with me even with IVDD as long as he is rested for the appropriate amount of time during periods of relapse. My first claim was submitted to Embrace and I received approval for my claim within 7 days. Yes the claims process could be made easier (having to have the vet fill out the claim form every vet visit is a pain and each claim form is reimbursed as a separate claim even if submitted together). But overall I am extremely satisfied with Embrace.

Great place for animal insurance. Never had any issues with any claims.

So happy I've got my kitties enrolled with Embrace years ago . For most if their lives we didn't have any health issues but in the last couple of year things have changed. We dealt with cancer and kidney failure. Thankfully there are life saving treatments available and thank God we had Embrace to cover the costs. They've been great : premiums are very decent and they have an excellent coverage. Policies are very easy to understand and we never had a bad surprise when submitting the claim. It's easy to submit them. Processing time is very short, same as the payment. The website is great, you can follow the progress of the claim. All together EXCELLENT . Very happy with them. Highly recommended

Filed 2 Wellness Claims for my fur babies. Due partially to the way my vet's invoices print both dogs visits on same invoice, the claims were mixed up between the two and not all of the Wellness Claims were being paid. Peter in Customer Service was incredibly professional and quickly understood my issue. He moved it forward with corrections and I've already received notification of EOB changes. Outstanding! Thank you!

When we originally purchased the policy from Embrace for our French Bulldog puppy, we had no idea what the were about besides reading a few reviews. The ultimate reason we chose Embrace was the affordable cost over a few other pet insurers I received quotes from. It pains me to say that this is the second time that we have used Embrace in two years for our Frenchies eyes. He only has one eye and when he injured it a few weeks ago, we were willing to do anything we could to try to save it. So far so good as we are continuing treatment, but lots of bills were pilling up. I simply had the vets fill out the prefilled claim form and I scanned them directly to Embrace through the Embrace portal. To my amazement, they have covered everything so far minus our deductible. I can’t say enough kind words about the Embrace staff and company as a whole. They truly care about pets and pet owners through stressful times.