Embrace | Pet Insurance Review

My OESD had a bad year - not too serious tho. A tick disease plus a hematoma in his hear. Everything is back to normal. Having Embrace was a blessing that helped me through each of the incidents.

I've never got insurance for a dog before but after 3 emergency vet visits, I can say Embrace was definitely worth the investment. Embrace processed the claims and sent a check within a week, way faster than I would have imagined. I definitely recommend Embrace.

After an expensive experience with our oldest dog, causing us to make some tough decisions about "how much is too much," we decided we needed to prevent it from happening again and invested in pet insurance for our other two dogs. It couldn't have been more perfect timing as we ran into some severe medical issues with one of our dogs just a few months later. I can't stress enough the importance of getting insurance BEFORE anything starts to happen. The Embrace staff has been extremely helpful and we always get the reassurance that they really do care. Not all pet insurance is the same and I have to believe Embrace is top in class!

Pros: Nice people and nice website. Cons: You must repeatedly submit a claim; I had multiple lost claim forms (not sure how that happens on a web-based system). I have never had a single claim paid...ever. Each time I'm told there was some pre-existing injury or the the coverage doesn't include the care (e.g. "A well-check up is not included."). In fact, when I purchased the insurance, I received an exhaustive list of all the future injuries that would not be covered. It was huge. I would NOT recommend paying for this insurance unless you have a newborn pet. I paid over three hundred dollars for a plan and it is $300 I will never see again.

Unfortunately, our dog became ill and had to be put down during the first year of our policy. We now have a new dog who is covered too. This company offers great coverage administered by an outstanding claims department. This company delivers!