Embrace | Pet Insurance Review

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!

At the age of 6, Pancho was diagnosed with Cushing's Disease, a terrible life long condition that affects hormone balance. Unchecked, a patient will die within a couple off years. Fortunately, we chose a competent Veterinarian who has had plenty of experience with the disease and knows what is necessary to keep Pancho alive and feeling good. Embrace has allowed us to follow the costly course of treatment that our Vet has prescribed. Without the financial help from Embrace, it is doubtful that we would be enjoying Pancho's company today. Thank you Embrace.

So I bring my pet in for a wellness visit and an ear infection, just to learn nothing is covered at all I had gotten the highest tier account I could get. Well now after $300 I am told that I don't have this and don't have that. This is now 2 months after my claim was initiated I couldn't believe how long this was taking. Now I'm told I can pay more per month (an unknown amount at this point) to get wellness coverage that I was led to believe I had already had! But great to know now her anxiety created this ear infection and they won't cover her anxiety. She is a GSD they all have anxiety. I am left here wondering why I pay this company $30 a month when I could just save that money and pay the 300 in the first place just to the vet?and save myself $60 oh wait that would be $360 because they didn't even cover it! Most likely won't be seeing this as an actual review anywhere but rest assured I will be posting it other places as well. Unless you can rectify this?