Embrace | Pet Insurance Review

I'm so thrilled to have purchased Embrace for my 13 month old Bernese Mountain Dog the day he came home; I chose them based on the recommendation of the staff at my vet's office. We had a rough first year and Embrace was wonderful through it all. They covered some major expenses as they said they would; and the Wellness Rewards are totally worth it. The process to submit claims and receive reimbursement couldn't be easier... this most recent claim was no different than the positive experiences I've had throughout the last year. I've already recommended them to family and friends!

I highly recommend Embrace Pet Insurance. We have been impressed by the coverage, the fact that they have covered everything exactly as they advertise, and they pay claims quickly and accurately. Our English Lab, Misty, discovered snow at the end of 2016 and injured her leg. At less than a year old she required a $4000+ surgery which Embrace honored fully. The surgeon indicated that the opposing leg would likely require the same surgery. It did! We put the surgery off until Mom passed, as Misty was a great and comforting companion to Mom in her final hours. I kept all the wellness and injury/surgery related receipts for our second year of coverage and submitted them to Embrace along with my summary of what I felt was covered. The covered all I claimed (and even more when they caught a mistake in my summary). The Explanation of Benefits statements were accurate and complete. I was fully reimbursed within 2 weeks, including coverage for this second $4000 surgery. No hassle, No nonsense, No surprises. I wish I could say the same for my family health insurance.

Henry was diagnosed with lymphoma in December and, after diagnosis and 2 rounds of chemo, has already racked up over $1,500 in vet bills. Embrace has reimbursed over $1,000 so far. I've had a policy for Henry for 6 years and, until last month, he had never had a claim. To go from nothing to this extreme of weekly chemo is rough - but knowing that I have Embrace to help with the bills has been a lifesaver. With 2 young children, I don't know if I would have been able to say yes to the best treatment without Embrace.

Although I have never at this point reached my deductible, I feel the company would fulfill their obligation in a timely manner. As stated above I think their presisting policies are too strengthen, once you have a condition it is not unusual to always request that it be checked on a vet visit, with Embrace that is enough to get the entire visit cost rejected. I think the determining factor should be treatment not just checking.

I am thoroughly pleased with the service and coverage Embrace has given us. I have never hesitated taking our Labs to the vet over the many years we've had Labs for pets and friends, but now with Embrace there for us, it's much easier on my wallet. I mentioned Embrace to our vet's staff, and their response was that they had heard only good things about Embrace.