Embrace | Pet Insurance Review

I've had my new puppy Riley for three weeks. Previously I owned three dogs over an expanse of 30 years and had no insurance with any of those dogs. My dogs are my family; therefore I do not compromise on providing them the quality care they need which has included visits to canine cardiologists, canine ophthalmologists, as well as covering the costs for two canine ACL surgeries just to name a few incidents. I have watched over the years as veterinary costs have escalated through the roof. Thirty years ago it was not like it is today. It concerns me the victims of escalating vet care costs are none other than our beloved pets. Unless you're a wealthy individual, responsible average-earner individuals will choose in the future not to take on pet ownership in order to avoid taking on its associated financial burden, and irresponsible individuals - well many can't even take care of themselves. After my last pet passed, I seriously questioned if I wanted to assume the financial responsibility again. Years ago pet insurance was nothing more than a discount program with major loopholes written into the policies that favored the insurance company. Before getting my new puppy, I decided to give pet insurance another look and that's when I discovered Embrace, a real pet insurance carrier that administers a plan somewhat similar to how health coverage is managed for individuals. Many people think they can't afford health insurance because they want first-dollar coverage, so they don't buy any coverage. Insurance is for worst-case scenarios, i.e., catastrophic coverage. For me, I felt I could manage a reasonable out-of-pocket expenditure so I opted to purchase a $500 deductible / 70% coverage / $5,000 annual limit plan. I also purchased the Wellness Plan as the coverage offered at zero deductible is outstanding especially for a puppy's first year. Now I rest comfortably knowing that a significant illness or injury isn't going to devastate my finances. I give kudos to Embrace for offering such a quality product.

We were worried about the cost but our claim was handled so quick and we were able to get our puppy the help he needed.

I had my first wellness claim with Embrase. I emailed the claim form and invoice and they processed quickly and I got my check within 3 weeks of the claim. They covered it all and did not request more documetation or answer these questions or this wasn't covered. They did a great, fast job.

I am very happy with Embrace Pet Insurance. I pay a small amount every month but this means that my little dog gets the best preventive care possible. This last claim was handled fast and the check was in the mail within 2 weeks. Thanks Embrace!!!!

Once again I had to use Embrace for the care of my dog, CHILD and again Embrace was there for us, made the whole process much easier, and filed the claim very fast.