Embrace | Pet Insurance Review

I have had Embrace for several years now for my 2 Dalmatians. In the past year I have had one dal with bladder stones and this one with ACL surgery and now a UTI/vaginitis. My vet fills out the form, it is sent and the claim is processed and I get an email in no time. I am so happy I picked Embrance. There is no hassel and my dogs are able to have medical care that they need. Although no one wants to think you need insurance, until the time the bill is expensive and then you wish you had it. Choose this company. they are people and pet friendly.

My dog had a limp from stepping on a piece of ice one day, he literally limped for one day. We took him to the vet for brain seizures and the vet asked if there was anything else. We said yes, he started limping yesterday after he stepped on a piece of ice. The limp was in no way related to the vet visit. He stopped limping the very next day. 11 months later he tore his ACL on the other leg. Embrace denied the claim saying because he limped for 1 day it was a pre-existing condition. And they told us for the appeal, we just needed a letter from the vet who saw him and noted the limp, saying that his slight limp that day was in no way related to his torn ACL on his other leg. The vet wrote this letters aging it was not related and did not cause his ACL injury. Embrace de lined it again. This company is horrible, absolutely worthless. When I asked what type of evidence the would have needed showing the two were not related since a statement from the Vet wasn't enough, they refused to give me an answer. Stay away from them, go with VPI or any other company. There is a reason Embrace is cheaper, it's because their service is horrible.

I signed up for Embrace when I got my dog 6 months ago because research gave me a good impression of the company. They have been so great helping me care for my dog. I think it's already been worth the investment already.

Our one-year-old Golden Retriever puppy seems to have seasonal allergy issues. This spring, he's had ear infections, dermatitis, eye infections and always seems itchy. After treating each "illness" (which applied to our deductible), the vet recommended allergy testing. I was not optimistic that this would be covered so I contacted Embrace and was informed it was! Our pup had a full allergy screening and we only owed our co-pay out of the $450 cost! So happy we could do this for him without worrying about the expense! And the best part is the reimbursement was received within a couple days. So fast!

I never was sure this would provide a good value, but in January of this year, I signed 3 of my pets up for insurance. Shortly thereafter, my 9 year old Weimar was diagnosed with a chest tumor and has required several procedures to drain fluid from the sac around his heart. After reviewing the vets' notes, Embrace covered his expenses, and quickly. It's so easy to upload claims, and payment is prompt. I am very pleased!