Embrace | Pet Insurance Review

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.

I am very happy to have my dog covered by Embrace. They been fantastic with all the claims. My contacts were all treat with professionalism. I recommend this company for your pet needs.

I have insurance because my last Golden died of cancer. I just submitted a claim because my dog Jackson had to have his spleen out. After paying for 5 years on 2 dogs this was my first claim. Everything was covered and because I had not submitted a previous claim my deductible was lowered.The process was fast and simple and I received my money very quickly. Customer service was efficient and the folks I spoke to were friendly. I would recommend Embrace to everyone with a pet. PS. Jackson's mass was not cancerous!

Embrace customer service is wonderful and helpful. We have never had any issues. All of our claims have been covered with no issues. So thankful we have Embrace!