Embrace | Pet Insurance Review

I was heavily disappointed when I received my dog's review of medical history. While I submitted his medical history in April, at the beginning of our coverage, I was not provided with an overview of what charges would and would not be covered until September, when I submitted his claims. While the e-mail said the medical history reviewed was shared with me to "avoid surprises" I think it was extremely irresponsible to not provide this review in a timely manner. Had I known from the beginning which items in his history would be considered "pre-existing" and this not covered, I wouldn't have wasted my time and my vet's time in submitting our claims, as the majority of them were declined.

I never thought I needed pet insurance, I thought it'd be a waste of money. Boy was I wrong. If it wasn't for embrace I don't know what I'd be doing right now. There staff is helpful and knowledgeable. And they have supported me and my puppy through some unforeseen circumstances.

About two months after adopting a rescue dog I noticed a small mass one day while giving her a bath. The scheduled surgery to remove the mass led to blood tests that revealed a further irregularity and further tests, ultimately showing she had a mass on her spleen and an enlarged liver. She had to have a splenectomy, have the first mass removed, have the masses and her liver biopsied. We were relieved to learn that everything was benign and manageable, but with the location of the two masses, they had to come out asap. We called Embrace and submitted the pre-surgery form and scheduled the surgery right away. Everything was processed so quickly (within 2 weeks). Embrace answered all our questions via email and phone, and they sent regular email updates until the paperwork was done. At first I was skeptical of getting pet insurance, but I financed all of my last dog's medical bills myself, which I would do all over again, but at the end of his life it was a real financial hardship. I wanted to give our new dog the very best and didn't want to have to make decisions based on money. So I shopped around and compared insurance companies and Embrace seemed to offer the most comprehensive and fair coverage. Having just gone through the various kinds of medical issues that come up with a very senior dog, and having just adopted a new senior dog whose medical history I knew nothing about, I wanted an insurance policy that was flexible. Embrace lets you customize the policy to best suit your needs and budget. It offers complete peace of mind. I'm so happy we have it, and I just added our cat to the policy, who is young and healthy but deserves the very same.

I have had an Embrace policy for many years for my LuLu. This was the first year that I actually made a claim since she required surgery. I am very pleased with the customer service staff in answering questions and providing followup. I selected Embrace many years ago since they covered both conventional as well as holistic treatment.

On a recent Thursday we were awoken by our 6 month old lab who had woken us getting sick and unable to walk. We immediately went to the emergency animal clinic. I did not think twice about it because we love our pet but we also have Embrace Insurance. The submission of a claim was easy and the waiting time for a decision was reasonable (and favorable!)