Embrace | Pet Insurance Review

You folks are scam artists. In my case,, you collect$1,100 a year and when I just submitted MY FIRST CLAIM you generously offer me $50I will tell all friends to never waste money with you crooks

4 months ago one of my friends talked me into getting Embrace Pet Insurance. She shows dogs and has a household of various breed dogs all of which are her babies and all are covered by Embrace. She said others that show also use Embrace so I thought I'll look into the company. I have 2 dogs - 6 and 14. I decided to get insurance for just the 6 year old and so thankful I did. He had 1 pre-existing condition that I was aware of, luxating patellas (both knees,) so when he started limping I thought figures this is the knee problem and it's not covered. After a month of anti inflamatory meds that didn't help, my regular vet suggested I get an ortho evaluation and found he had torn his ACL. So he had the ACL surgery and also made an adjustment in his knee to strengthen the joint. Again, I figured this wouldn't be covered because anything with the knee would off limits. However, I was wrong! The ACL tear was covered and only the specific portion relating to the knee joint was not covered, a very small portion of the entire bill. I also requested that the bill for the first vet visit, which was denied because my vet wasn't sure it wasn't caused by the luxating patella, be reevaluated. This time it was approved. I can't say enough good things about the professionalism of Embrace and the quality of the service it provides.

When we got our dog 5 years ago, we hesitated about pet insurance because I heard so many bad things about them not covering certain things or never knowing what the reimbursement would be. We had to file a claim for the first time last month when we ended up in the ER. We found out Bentley had pneumonia and then from the X-rays we found out he had an obstruction in his stomach. He had surgery the next day. I called Embrace and started the process. In less than 2 weeks, I had my reimbursement in my account. I was amazed how quickly it happened. They were so easy to work with and it was nice to know exactly how much would be refunded to us. We hope to not have to file another claim anytime soon, but we're so grateful for Embrace.

We had our 3 month old puppy got into something on a vacation in Grand Lake, CO. The vet estimated a $2,000 bill for a weekend stay and procedures. Embrace was very helpful in our questions as being new dog owners and helped us every step along the way to receive our insurance check. 10/10

As a first-time dog "mom", the cost of vet care came as a huge shock to me 8 1/2 years ago. Fortunately, my cockapoo Obie was always a healthy guy. However, as he ages, he's encountering more frequent and more expensive health issues -- like two torn acl's this past year. The cost of X-rays, blood tests and specialists would have been far beyond my means, if I hadn't made the wise decision to become an Embrace customer. The staff is unfailingly compassionate, helpful, and knowledgeable. Claims are handled promptly and communication is outstanding. The one time I had a claim denied, the explanation was clear and helped me recognize the connection between two health issues I had seen as completely unrelated. My one suggestion is that Embrace offer a discount for senior citizens on fixed incomes. Obi-wan Kenobi is not the only one in our small family getting older.