Embrace | Pet Insurance Review

We have had wonderful experiences with Embrace! We have had a policy since our Papillon was 10 weeks old. Our Papillon, Gabriel, is now almost 7 years old. Just recently we had a huge scare with Gabriel vomiting, diarrhea, lethargic and not able to eat or drink without vomiting. With a visit to the Vet and some initial bloodwork it appeared that Gabriel may have contracted Leptospirosis and was in the early stages of liver and kidney failure! We were in disbelief and shock that we could lose our most beloved dog when symptoms just appeared so quickly and without warning. Because Leptospirosis is contagious to humans we were not allowed to hold him or touch him which was so difficult and painful, seeing the look in his eyes with the fear of sickness and not being able to touch him and just having to leave him behind. After a few days they allowed us to wear protective gear and sit on the floor with Gabriel and pat him, I swear the human touch is so important to healing. We were told he would have to remain in the hospital until he improved or even worse, til death. The Vet was very upfront and said "this will be costly" but we knew that with the assurance of our pet insurance policy with Embrace we had the comfort of knowing we could at least give him a chance at life and not have to worry about the high financial impact that hospitalization can add up too. And we had the reassurance to give our Gabriel a chance for recovery and not subjected to having to euthanize without a fighting chance. The good news is Gabriel did not have Leptospirosis and his body reacted quickly to the medical treatments and antibiotics and after six days we were able to bring him home and love him and hold him. The good news is he is healthy now, back to his "normal" self and we are so GRATEFUL to Embrace Pet Insurance to give us the ability to have our dog cared for without the fear of the financial burden. Gabriel needs a follow up in a month to make sure his liver and kidneys are stabilized but otherwise we are positive he has made a full recovery!! Thank you Embrace!

I have my two pets (a cat and a dog) insured with Embrace. This is a very efficient company. Filing claims is super easy and straightforward. The wellness programs is excellent as well. No complaints.

My dog was bitten by another dog. We submitted a claim and had an initial issue about the claim being covered. After talking with Leslie, she reviewed the claim and processed immediately. I received my reimbursement within days! I have used Embrace since 2010 and the have stood behind their policy!

My Dog has had so many health problems over the last year. When I got Embrace Pet Insurance I had no idea a month later my Dog would rupture a disk and need spinal cord surgery. It was extremely expensive and because I hadn't done the Orthopedic Waiver in time, it wasn't covered. I was very upset and asked myself what the point of having Insurance was and almost cancelled it. One year later (last month) my pet had a hip injury and when the Vet went to do an x-ray they found he had bladder stones and an enlarged liver. They had to do surgery to remove the stones and a liver biopsy to find out more info on the liver. And it was COVERED! I was very happy I kept the insurance since the surgery was $3k. We are still having to do more testing on the liver side (which will hopefully be covered). But everything I've been paying to Embrace has been worth it. They also cover taxes when they pay out a claim which I really appreciate. Even though that's a small portion, to me it shows the quality of the organization and customer service. Also, any time I have ever reached out to them they are always very professional and genuine. You can tell they want to be able to help as much as they can, even if they can't always tell you the answer you want to hear.

Embrace followed through with our claim for our Lucy (boxer). Lucy had a small tumor removed and after filing her claim, we received a check for reimbursement on 80%, after our deductible as agreed in our plan. Check came in 7 days. Great experience!