Embrace | Pet Insurance Review

Claims go thru fast, great customer service. Never a waiting time and I have always hung up satisfied and impressed. I have worked for veterinarians for many years before retiring. Remember hearing folks complain about their pet insurance, I can't say enough positive things about this company. I also like that you can adjust the plan to meet your needs. Thanks, Embrace

Very helpful in a stressful situation after our baby kitten had an accident.

I was so happy when Embrace covered my dog's hip surgery. When he didn't recover as quickly as I hoped, I took him to 3 weeks of physical therapy. I thought it might be a stretch, but I submitted my receipts along with the receipts for his post op pain medicines. I was so happy to see that they covered my claim again. This pet insurance has more than paid for itself in just a few short months. Thanks Embrace!

My male dog has had first testicular cancer (he was a cryptorchid and we never knew!) and now cancer in his lymph nodes, so his care has definitely been expensive! Having Embrace takes such a weight off my shoulders to not worry about money. Their coverage is great, submitting claims is easy, and reimbursements are extremely prompt. Plus, their customer service is awesome -- I'm always able to get someone on the phone who can help right away.

I have Pet Plan for one of my dogs and Embrace for my other 2 dogs. They have almost identical coverage. Embrace is half the cost of Pet Plan (I pay the same for my 2 dogs combined as I do for my 1 policy with Pet Plan). With Pet Plan I have a $200 deductible for each claim. That means for any minor vet issues I always have to pay out of pocket first. My Pet Plan dog has 2 serious/expensive health issues which Pet Plan covers a significant amount of each year after the deductible. This is why I have not switched her over to Embrace for the cheaper monthly premium (her conditions would be considered preexisting by Embrace). But, every time she needs to go to the vet for something else, I'm back at square one. I easily pay 4 to 5 $200 deductibles a year. My 2 Embrace dogs have a $500 deductible each for the year. Once I meet that, all claims are covered. I find this much more useful. Recently one of my Embrace dogs injured his back. Bills piled up quickly and Embrace has covered everything after I met the deductible. They even covered vet-recommended laser therapy (similar to physical therapy) which I had not expected and was much appreciated. Also, Embrace mails my check in about a week. Pet Plan, though they have been getting faster, takes at least 3 weeks. For my next dog I will go with Embrace. My only complaints (with all pet insurance I've found) are the lack of immediate coverage for hip problems.