Embrace | Pet Insurance Review

After an expensive experience with our oldest dog, causing us to make some tough decisions about "how much is too much," we decided we needed to prevent it from happening again and invested in pet insurance for our other two dogs. It couldn't have been more perfect timing as we ran into some severe medical issues with one of our dogs just a few months later. I can't stress enough the importance of getting insurance BEFORE anything starts to happen. The Embrace staff has been extremely helpful and we always get the reassurance that they really do care. Not all pet insurance is the same and I have to believe Embrace is top in class!

Pros: Nice people and nice website. Cons: You must repeatedly submit a claim; I had multiple lost claim forms (not sure how that happens on a web-based system). I have never had a single claim paid...ever. Each time I'm told there was some pre-existing injury or the the coverage doesn't include the care (e.g. "A well-check up is not included."). In fact, when I purchased the insurance, I received an exhaustive list of all the future injuries that would not be covered. It was huge. I would NOT recommend paying for this insurance unless you have a newborn pet. I paid over three hundred dollars for a plan and it is $300 I will never see again.

Unfortunately, our dog became ill and had to be put down during the first year of our policy. We now have a new dog who is covered too. This company offers great coverage administered by an outstanding claims department. This company delivers!

We enrolled in both Accident and Wellness. We have not used the Accident Insurance but the Wellness is incredible. Claims paid within 3 days of submittal (via direct deposit). Joy was 3 months when we enrolled her and Wellness was very helpful. I researched all the pet insurance company and deducted that with Wellness Embrace was the most cost effective way to go and the most flexible. It is good to know that if anything happens we do not have to worry how we are coming to pay

Jazzi has been insured since 2010 and we are so happy with Embrace. Fortunately, Jazzi has been a really healthy girl so we have only used her wellness plan. It's reassuring to know that she has coverage in the event it is needed for an emergency or illness. She is a little angel after all.