Embrace | Pet Insurance Review

We started Embrace not too long after Maximo (Max) joined my wife and I and made us a family. For roughly 5 years we would pay Embrace monthly and Max had no medical issues unlike the previous Boxers we had, we were close to cancelling our policy but we continued and luckily we did. Approximately 2 months later in June 2016 Max had a focal seizure on his muzzle and then later that night a Grand Mal which we knew Max would never be the same. We gave him the best medical help we could from MRI's to latest medicines to help him fight the seizures. Max passed away after not being able to recover from his last seizure in August 2017. Our greatest blessing was he was with us for 6.5 years...yes we are still upset and hurt at the same time as it was too short of time being a family. We had the means to help Max the best way we could but having Embrace helped us by reimbursing our claims in a timely manner which helped us with getting back on track with bills. We are very glad that we had insurance through Embrace and we will again. We want to thank their entire team with the support we needed and the condolences for our Maximo.

I've been with Embrace since my dog was a puppy and we've been through plenty of scrapes that needed emergency vet. care. Embrace never questions what the vet bills; they pay 90% of the amount charged. They do it promptly and are always kind, caring when I call. This last time it took 3 different vets to troubleshoot all my dog's problems and one claim left diagnosis open- meaning they found nothing wrong for sure, but Embrace still treated it as an illness and paid the claim. 2 vet soon after that diagnosed multiple problems and Embrace paid all 3 bills quickly and fairly.

My 17mo GSD Kalyx experienced aspiration pneumonia. No indication other than he had signs of breathing difficulty - I took him to the local ER, then our vet, then overnight to our critical care facility. The first 2 X-rays said he was getting worse, but miraculously he responded to treatment. He never looked like he was sick after the third round of treatment! Embrace covered every treatment and was so compassionate to talk to when I called. Although I don't personally know the Embrace staff, I consider them friends after this plus a past devastating loss. Please consider me as a lifelong, devoted client.

My 10mo baby Baron fell victim to a previously trusted dog sitter while we were out of the country. After days of neglect, he was seen by three veterinary centers: our own vet, then our regional specialty care hospital, then a last ditch effort visit to try ventilation at the last, best facility available. He died in my brother's arms, with me crying goodbye on speakerphone. Embrace never asked questions about our many claims, during our grief. Embrace's staff sent us a condolence card, hand signed by over a dozen employees. Embrace created an online "lighted" candle for a month for Baron, and sent that website to me to share. This compassionate response is above and beyond any company I've ever encountered. Every memory I have of those final days - and what could have been a worse financial insult - is in part softened by the compassion Embrace showed my family in our grief and recovery.

Embrace Pet insurance is better than my own health insurance!! They covered our Newfie's cruciate ligament tear for both legs in two years paying us around $9,000. They never questioned a claim or asked for more documentation and gave us the run around like our health insurance company does. Getting Embrace for our pets is what best decision we ever made for them!