Embrace | Pet Insurance Review

First time experience with pet insurance of any type, glad to have when my German Shepherd had problems during the first year already. They were very responsive, kind and professional. Also paid what they were going to pay timely, any delays were due only to them receiving requested info from vets. It was good to have help with an unexpected illness, albeit disappointing when neutering wasn't covered for any reason, even when it was the surgical cure in this case. All in all, was glad we had the policy, helped with expenses that come up suddenly.

I have always been impressed with the way claims were handled fairly and with the way everyone I ever spoke to at Embrace was kind, respectful and helpful. Years ago, I recommended Embrace to my veterinarian and now she recommends it to her other clients. A few weeks ago, my beloved dog died. There were a lot of medical bills in her final weeks. All were handled rapidly and then I was shocked when I received an email telling me that I was getting a prorated refund for the annual premium I had recently paid. That was followed by a condolence card individually signed by many staff members. Embrace could teach purveyors of human insurance a thing or two. I will continue to recommend you to anyone who is interested in pet health insurance.

Let me first say that the Embrace phone representatives are beyond awesome. Prior to getting Rosie, our Boston Terrier, my daughter inlaw took out pet insurance on their rescued dog. At the time I thought it was extravagant. Before the policies first anniversary their dog needed surgery. Per the policy, insurance paid and it was indeed a wise investment. Within 6 months another family members dog ate rib bones and corn cobs from a 12 person rib fest which basically turned to cement in his belly. He didn't have insurance and his bill was over $5,000. This bill was all his and quite a hardship. When we got our Rosie I never wanted to be in the situation of weighing If I could afford medical treatment for her. Therefore, I decided to take out insurance when she was 8 months old. Honestly my husband grumbled a bit when I initially got it. The renewal came the following year and he resisted even more maintaining we've always had healthy dogs and this is an expense that we could do without. True we had always had healthy dogs, but I held strong and we renewed for the second year. December, 2017 my Rosie got sick with what I initially thought to be a canine virus, 3 consecutive days we had vet appointments as her condition continued to spiral. When her blood test came back we were off to the local emergency animal hospital, her liver #'s were off the charts. Enroute my husband said "well I guess we will see how great this pet insurance is!" I can tell you, you can expect to pay $1,000 minimum a day for emergency services and Rosie was a patient for 5 days. I was on the phone some of those days 3 times a day with Embrace as we journeyed through Rosie's medical issues and some of those days it was touch and go. Each and every Embrace phone representatives was so caring and compassionate and extremely knowledgeable. Rosie was our Christmas miracle! My second pup who just turned 8 months in December now has Embrace pet insurance as well. My husband was more than willing to add him to the policy. We take out insurance never hoping to find out how it works and if it's worth the investment. My husband and I can tell you as a verified user it only takes once. Per policy Embrace paid straight into my checking account without issue or a challenge. I rate Embrace insurance and it's team a 10. As I share my journey with others I always follow it up... if you have a pet or are getting a pet it's worth it. I pay less than one dinner/pizza out a month. A little sacrifice for peace of mind.

Embrace has been great. People are awesome and very caring.

We're new to Embrace after have horrible experiences with Nationwide. Happy so far...they wrote to me when our vets office submitted a claim but with not information, It was quickly resolved by Embrace! Thank you!!!