Embrace | Pet Insurance Review

When we found out that our German Shepherd, Archer, had lymphoma we had to make some quick decisions. Without treatment, he was given days or weeks to live. As a terminal illness, our best hope was to pursue chemotherapy treatment to give us more time with him. Through Embrace, we got another 8 months with our sweet boy. Treatment that would have cost us over $10,000 was accessible with the help of our pet insurance where we paid under $2500 for our portion. Their customer service team truly cares and their online portal makes claims submissions a piece of cake.

I have been an Embrace member for several years through USAA. I switched after my previous pet insurance went up to $800 a year for my cavachon, Calvin, despite his never having been diagnosed or treated for any chronic illness even at age 8. About a year after I switched plans to Embrace, routine "senior dog" bloodwork recommended annually by my vet detected extremely high liver enzyme levels. After various tests were inconclusive, my vet recommended a specialist who recommended a full liver biopsy with four liver samples taken. At that point, including the surgery needed for the biopsy, the total vet bills were upwards of $4,000. Then, once Calvin was diagnosed with copper storage disease, I had to pay for expensive medication to pull the excess copper out of his liver. Fortunately Embrace quickly reimbursed me everything but the small deductible and co-pay I had selected. Prior to this I had very recently been through a traumatic divorce, and my income was reduced over 75%. So, Embrace was salvation for me financially and emotionally, since Calvin was my sole comfort on many days, and I didn't have to worry that I would not be able to afford to care for him now that he was sick. I don't know what I would have done if I had not had Embrace. I recommend pet insurance to everyone now, and specifically Embrace. You never know what life will bring - be prepared to care for your pet!

We have Accident Only coverage on our 4 dogs. Our 11 year old Cocker Spaniel, Ketch, tore his left CCL in January 2018. He had a TPLO on his right knee in 2016. I submitted the claim for his left knee after the surgery. Embrace paid the claim quickly, and has since paid for his physical therapy, post op x-rays, etc. up to the policy limit ($5,000). The process has been easy and stress free. Everything can be submitted electronically, and if Embrace has a question, they email quickly.

After a lot of research, I settled on Embrace to insure both of my dogs. The monthly premiums are fair, and the coverage is great! They process claims quickly, customer service is fantastic, and overall, it is a no hassle process. The wellness package is worth having for preventative visits.

So far this has worked out well. I think it helps offset the illness and accidents my bully has had and will have potential for as she ages. I think Embrace is very easy to work with and submitting claims is easy too!