Embrace | Pet Insurance Review

We’ve had three Golden Retrievers and with each one when they were puppies, we THOUGHT about getting pet insurance but never did it. With each pup, we regretted our decision because sure enough, something came up and we were left with expensive vet bills. From a thyroid condition in our first to a broken leg with our second and seizures with our third regret for not having pet insurance set in each time. After each expensive bill, we assumed that nothing worse would happen to our pet and the previous diagnosis would leave our pet with a pre-existing condition and insurance would never cover anything. We then found Embrace Pet Insurance. With the addition of the wellness coverage, that we knew we were very likely to use since grooming was included, the overall monthly costs weren’t as high as they seemed. Embrace also has a 30-day review plan. Upon request, they will review your pet’s history and let you know what is covered and what isn’t covered due to any previous health issues. You can cancel the policy if you don’t like their response. Even though our third dog had seizures, since he was only 6 months old, we decided to take a chance with Embrace. We signed our pup up online and requested the 30-day review. We also submitted the orthopedic report from our vet so we didn’t have to wait for this coverage as well. In less than a month, our pup swallowed some objects whole and had to have emergency surgery as a result. It’s not fun having to play god for a pet. Having the insurance gave us peace of mind that we were able to give our pup a chance at life by undergoing surgery instead of making a fatal decision due to our financial circumstances. After surgery, we submitted our claim form and paid vet bill receipts through the online claim submission section. We received email confirmations upon creation and along the way while our claim was being reviewed. We received payment for both wellness and accident claims and staff was readily available when we had questions about the benefits and continued coverage. The claim process was easy and taking a chance on coverage even with a pre-existing condition was something I was very THANKFUL for. We decided not to take any more chances - our older dog has coverage now as well. If more puppies come our way in the future, we will sign them up for insurance from day 1 but know that it’s not too late if you put this important decision off like we once did.

I adopted two rescue yorkies in May 2016 and insured them with Embrace. I had never had pet insurance before and I have had a lot of pets and paid a lot of vet bills. In Aug 2016 my smallest yorkie tore her ACL or in doggie language CCL. My policy is $500.00 deductible and then 80% paid. I set it up so that Embrace could deposit directly into my bank account. 10 days after I submitted the claim I received $1083.50.

I got Embrace for my English Mastiff as soon as we got him. I did A LOT of number crunching between the plan options. And his coverage has been great over these past (almost) two years. I'm planning on always having it for him. We have used it...needed it...so glad to have had it! No problems at all. My refunds have been fast & easy! Totally worth it!!!Any future dogs...I will be signing them up.

Petunia is our 3 dog, we had 2 boxers before her. Getting Embrace for her was the best decision we could have made, we no longer have to worry about the financial strain of her medical fees and can get her all the care she needs when she needs it. Knowing that Embrace processes our claims quickly and seamlessly helps in every decision we have had to make. I recommend it to all the pet parents we know!

My pug Charlotte was having ear problems, so off to the vet we went. That's never fun, but I've done my part! My vet staff send the claim forms after our visit and then I get emails from Embrace to let me know the status of my claim. The next thing I know there's reimbursement on my bank account! It all happens so smoothly I don't even know it's happening! If I have to contact the customer service for any reason, they are very friendly, a great experience there too!