Embrace | Pet Insurance Review

Our 11.5 year old golden retriever developed primary hyperparathyroidism, which required us to travel for her to receive specialized treatment and surgery. We were so worried for her - she is older and though the surgery is pretty straight forward, the post-surgical phase can be quite complicated to manage and required ICU hospitalization. Embrace did an awesome job handling our claim! We sent in all the paperwork at the end of the treatment and everything was covered. All told the imaging and blood work necessary to diagnose, the surgery, and all the post-surgical monitoring - close to $5000 - was all covered. I have to say that we have had pet insurance for 8 years for our dogs (we did have 2 dogs - one has since passed away from cancer) and more years than not we have sincerely felt like it has been a solid investment. We don't make vetting decisions based on what is or is not covered by insurance, but it definitely helps offset costs associated with providing care to our beloved pets.

10+ for responsive customer service and care

Our 7 year old standard poodle who never had any serious issues suddenly bloated while at a daycare facility and was rushed to the ER vet. We were told that the surgery and hospital stay would run between $5 and $6k, and that it was ok if we needed to say goodbye to our beloved dog that night. We went ahead with the surgery and submitted the claim to Embrace. Within a few days of the surgery we got an email saying we were were covered up the the max ($5000 minus a $500 deductible). You can just imagine the relief! A few days later the check was issued. I recommend Embrace now to all pet owners. The premiums are reasonable considering the high cost of life-saving surgeries and the service was impeccable. We've been with them ever since our dog was a puppy and 7 years later they really came through for us. And to think we almost cancelled the insurance last August because our dog had never had any major issues. I'm so glad we stayed with Embrace.

Our dog developed a limp after heavy ball chasing one day and I wanted it checked out to make sure it wasn't serious. The evaluation thankfully concluded a strain. I submitted online a scanned copy of my vet bill and had a check from Embrace a few days later. Thanks Embrace!

I wish I could get health insurance for myself like I have for my dog. She has had to have 2 ACL repair surgeries and now is being treated for cancer. Embrace communication is awesome and they reimbursements are made very quickly. They have covered everything including physical therapy. I have not once needed to followup. The process of submitted claims is seamless and I believe their rates are very reasonable. Of course, I wish I never had to use insurance but could not be happier with the insurance coverage I have. I recommend Embrace to all my friends.