Embrace | Pet Insurance Review

Our two year-old Newfoundland had an ear infection. I've had several claims and all have been processed very quickly. I had a question on one claim and emailed my question. The response was the next day and my question was answered perfectly. I have recommended Embrace to several people. Everyone is super nice to deal with and I am so glad I picked Embrace!

After our dog Willow ripped open a Christmas gift which just happened to be chocolate, we had to take her to the ER vet where she spent the night and is great now. Embrace was very responsive with the process, although they were a little slow with the payment. They were very understanding and responsive when I called to check on the update, and apologized for the delay. I understand it happened right around Christmas/New Year so I will give them the benefit of the doubt. They wound up paying about half the cost, and I have no problem with that. Definitely will keep using Embrace, just please no more chocolate as gifts!

I've had Embrace for 6 months at the recommendation of my vet due to the age of my cat who is 10. I considered cancelling it several times as it seemed a waste, but I'm so glad I didn't because two months after the policy went in to effect, Simon started having spasms and multiple trips to the vet, the hospital, an MRI, and a spinal tap later, and still he was not diagnosed as the problem was so rare. Most of claims were submitted by the clinics and hospitals, which was fantastic as my head couldn't handle the paperwork through the trying times. When things finally settled, I went back through everything with a very patient, very kind customer service agent and found that my claims were all handled and refunds had been automatically deposited into my bank account. Embrace even reached out to confirm my receipt of the funds. Can not recommend them enough. They make this stuff easy so you can focus on your animal.

I had only owned my dog for a little over a year. The dog had a wellness exam right after taking the Embrace policy. The dog had just turned 6 years old when she got cancer. She was not due for any other tests, vaccines, etc prior to this. Embrace continued to ask for medical records even though they already had what existed from me. I sent e-mails explaining and called numerous times trying to explain there are no other records that I have access to, you have everything. I continued to just get the same scripted mumbo jumbo and they acted as if I was lying or trying to cover something up. My poor dog was barely six and had a terminal form of cancer. Everything progressed so quickly it made my head spin and then to feel as if the insurance I counted on might not pay on a technicality was too much to take. Also when I took out the policy the person on the phone advised it was unlimited coverage, however failed to advise over the period of a lifetime. Then I find out that my dog was only covered for $15,000 per year and that is the maximum that Embrace offers. This too low, especially with catastrophic illness such as cancer, I used up almost $10,000 within a few weeks. If my dog would have lived I would have had to pay out of pocket because the treatments would exceed $15,000 quickly. The overall experience was not very pleasant.

I have been extremely pleased with Embrace. Our dog had to undergo unexpected knee surgery, and it was such a relief not to have to worry about being overwhelmed by the expense at such an emotional time. Embrace has been very good about acknowledging our claims, sending email confirmations, and then reimbursing. Also, the submission for claims is really quite simple, which is another relief!!I highly recommend Embrace pet insurance--well worth it!! Thank you!!!