Embrace | Pet Insurance Review

Bailey and I had a difficult and expensive year last year. She was misdiagnosed with Addison's disease, which led to several expensive treatments and specialists. She is now doing fine (no Addison's), but I was worried that Embrace might raise our premium, or drop us altogether. They didn't. Embrace covered everything with no hassle at all. We are customers for life.

Benny, our male beagle, suffered a cranial cruciate ligament tear in October. During this ordeal the staff at Embrace expedited payment of all claims without delay. The Staff is caring, responsive, efficient and customer friendly. Having Embrace allowed us to get the best possible medical care for Benny and to focus primarily on his recovery. Thank you Embrace.

My senior Husky suddenly lost her sight in September. As we have gone through tests to understand the root cause and find a treatment plan, the Embrace team has been amazing...paying claims quickly, inquiring about Blitz's heath and offering support and information. I can't say enough good things about this company.

Here's some background, for 3 years my dog was losing fur and itchy VERY itch. I had been in and out of the vet office so much I felt like I lived there. Each time the doctor would tell me it was allergies, after look at my bald, coned up dog I decided to get him to a specialist. I knew I would cost me so I decided to get insurance to see if we could at least get discounts on his treatment. So I called Embrace and said "I want to take my dog to a specialist because I don't think this is allergies. Once we get a diagnoses would we be covered?" person over the phone said yes because we would have a proper diagnoses. I get my dog to a specialist and he has eczema! We paid for the skin scrape, several other tests and medication. Send in the forms and were rejected. Why? Eczema is under the same umbrella as allergies which he had a diagnoses for, mind you the vet said it was environmental allergies. I when I repeated what was originally told to me they said “we have no recording of that conversation because you were not a member then” well the reason I became a member was based on that FIRST conversation! I canceled my policy right there because I felt I was lied to. So I dropped them and my original vet that day.

We purchased Embrace after our 6 year old golden retriever ate a sock and had to have surgery. A year later, she ate a smaller sock but didn't require surgery - what she did need was X-rays, stomach pump and antibiotics for a secondary infection. Embrace covered the whole bill, which was around $600. Just what we got the insurance for! Thank you Embrace!