Embrace | Pet Insurance Review

I have had a wonderful experience thus far with Embrace. The ease of submitting claims and the fast turn around for reimbursements is amazing. I would highly recommend.

Wish I could sign up for my personal health insurance with Embrace they are efficient and resoonsive

We didn't purchase pet insurance for our mini-doxie until he was 10 and it's very difficult to find any coverage at that age. Embrace not only covers his accidents and injuries but any future illnesses, as well. Their service is top-notch and claim reimbursement is fast and efficient.

We’ve had three Golden Retrievers and with each one when they were puppies, we THOUGHT about getting pet insurance but never did it. With each pup, we regretted our decision because sure enough, something came up and we were left with expensive vet bills. From a thyroid condition in our first to a broken leg with our second and seizures with our third regret for not having pet insurance set in each time. After each expensive bill, we assumed that nothing worse would happen to our pet and the previous diagnosis would leave our pet with a pre-existing condition and insurance would never cover anything. We then found Embrace Pet Insurance. With the addition of the wellness coverage, that we knew we were very likely to use since grooming was included, the overall monthly costs weren’t as high as they seemed. Embrace also has a 30-day review plan. Upon request, they will review your pet’s history and let you know what is covered and what isn’t covered due to any previous health issues. You can cancel the policy if you don’t like their response. Even though our third dog had seizures, since he was only 6 months old, we decided to take a chance with Embrace. We signed our pup up online and requested the 30-day review. We also submitted the orthopedic report from our vet so we didn’t have to wait for this coverage as well. In less than a month, our pup swallowed some objects whole and had to have emergency surgery as a result. It’s not fun having to play god for a pet. Having the insurance gave us peace of mind that we were able to give our pup a chance at life by undergoing surgery instead of making a fatal decision due to our financial circumstances. After surgery, we submitted our claim form and paid vet bill receipts through the online claim submission section. We received email confirmations upon creation and along the way while our claim was being reviewed. We received payment for both wellness and accident claims and staff was readily available when we had questions about the benefits and continued coverage. The claim process was easy and taking a chance on coverage even with a pre-existing condition was something I was very THANKFUL for. We decided not to take any more chances - our older dog has coverage now as well. If more puppies come our way in the future, we will sign them up for insurance from day 1 but know that it’s not too late if you put this important decision off like we once did.

I adopted two rescue yorkies in May 2016 and insured them with Embrace. I had never had pet insurance before and I have had a lot of pets and paid a lot of vet bills. In Aug 2016 my smallest yorkie tore her ACL or in doggie language CCL. My policy is $500.00 deductible and then 80% paid. I set it up so that Embrace could deposit directly into my bank account. 10 days after I submitted the claim I received $1083.50.