Embrace | Pet Insurance Review

We have had Embrace for our 4 dogs since 12/2014. I did a LOT of research before choosing them. If I could, I would rate them HIGHER than a 10! This is the best company I have ever done business with. In order to keep the monthly premium for 4 dogs at an affordable amount, we have a $1,000 deductible on each. We chose $15,000 of ANNUAL coverage for EACH dog (a serious injury or illness can run into the thousands) and have a 90% payout by Embrace after the deductible is reached. I would say to anyone thinking about getting insurance for their beloved dog or cat, don't think twice....get it and go with Embrace. We have exceeded the deductible for our oldest dog in both 2015 (cancer surgery) and in 2016 (UTI / bladder stones / thyroid). Embrace has been great....they pay out EXACTLY what they say they will. There has never once been any issues with haggling over whether something would be covered. Some companies will limit the amount of coverage for a certain service or procedure. Embrace covers exactly what the vet charges. And, they process claims incredibly quickly....they let you know via e-mail when they have received the claim and then let you know as soon as they have processed it. When they owe you money, it can be direct deposited and it is into your account within 2 days after they have finished processing the claim. If you need to call, someone actually answers the phone; their employees are always extremely helpful and pleasant. They clearly care about animals. We recommend them everywhere we go!! Couldn't be more pleased. Incredible peace of mind!!!

Our Golden, Leo, had become lethargic with severe GI issues. It was suspected he might have been poisoned or developed a tumor. Our follow up care showed no tumor and helped resolve the condition. He's back to his old self. Just as much relief was provided by Embrace's coverage. Simple submission of receipts and doctors notes led to a prompt review an payment of the claim. I was very impressed by the processing and follow up care offered by the team at Embrace. They have been terrific!

I have 2 dogs with another company. They charge deductible for every different illness. The last claim still hasn't been resolved 5 months later. None of these problems happen with our 1 year old pup. I would change today and insure the others with embrace if they didn't have chronic preexisting ailments. Very pleased with Embrace for new dog. Live and learn.

Our dog was sick, had a prolonged stay in ICU.Although initially there was some confusion and delay with paperwork regarding our claim, ultimately things were settled (relatively quickly) and the Embrace paid the claim. Our dog is now healthy and financially his care was covered by embrace which was very helpful.

We were initially hesitate to get pet insurance but from our first contact with Embrace to now we have been so incredibly blessed; everyone is always so helpful and the response to any inquiries or to claims has always been expedient. We will definitely insure our future pets with Embrace. Thank you, Embrace!