Embrace | Pet Insurance Review

We have a 2-year old lab who's been insured with Embrace since the was a two-month old puppy. She's has several trips to the vest for injuries and illnesses, including one surgery, all of which were covered by Embrace. The online forms made is simple to submit a claim, upload your receipts, and check the status. It's a simple process to receive payment for the claim. We're very satisfied with the customer service.

We rescued Maggie on 6/6/2013 and decided to take out a policy because we didn't have a health history on her. 6 weeks later we went on vacation and boarded her at the vet with instructions to look at her right eye that had a discharge. She was diagnosed with Glaucoma in the right eye (72 pressure) and a partially detached retina in the left. The pressure was too high and she lost vision in the right eye. She had 8 visits to the regular vet and the eye specialist in a period of 3 weeks. Our refund was around $2,000 for those visits. Since then she has had a total of 64 claims. Most recently she had laser surgery in an attempt to retain sight in the left eye (glaucoma) and then developed an ulcer in the right eye. She is scheduled for surgery next Tuesday to remove two mammary lumps with a 50/50 chance it is cancer. Even with the insurance it is expensive, but there is absolutely no way I could have provided her with the care she needs without it. My only regret is not taking out the prescription policy since she is currently on 8 different medicines! Embrace has been quick to approve my claims and any issues I've had have been take care of quickly and to my satisfaction. Thank you Embrace!

I have two Bernese Mountain Dogs and it seems like we're always going to vet for one issue or another. Embrace has been great since day 1 when I first started with the insurance 5 years ago. The claims process is super easy and claims are reimbursed quickly and without any hassle. Great company!

I've been using Embrace for 7 years now to cover my GIANT dog (Mastiff/Great Dane), and I've had consistently positive experiences. The coverage has been exactly as expected and the customer service has exceeded my expectations... they are quick, compassionate, and thorough.

I can't tell you how unhappy I am with this insurance company. The customer service here is horrible. One rep tells you one thing and another one something else. I find myself calling at least three times for each claim than I should have. The website is not user friendly and not clear. My last experience was when I put in for a claim for the dog's medication. Was sent an email to show proof of the receipt and the name of the medication. Did that. When I saw it was still pending I called and they wanted to know why was he given medication and I told them they had to link it to the diagnosis report. They did that then I get an email stating it was not part of my coverage. You think they would tell me that in the beginning instead of making me go through all of that. If my pet did not have an existing condition I would have dropped this coverage a long time ago.