Embrace | Pet Insurance Review

Years ago, pet insurance products had a reputation for being overpriced, difficult to use and not worth the money. Embrace has totally changed that paradigm. Their employees are lovely, the website is simple to use and very clear, claims were handled timely and well and the peace of mind is incredibly wonderful I adopted a 1.5 year old dog 4 years ago. Bengy look-a-like. After much research I chose Embrace for my insurance coverage. My former dog had issues that cost me well over $5000 and I'd had to make some difficult choices for care due to cost. And, I didn't want to have to do that again. My new dog was healthy for two years then developed some GI problems last fall. They were resolved but came back with a vengeance a few weeks back. I cannot tell you how comforting it was to know that I could make good health care choices for my pet - knowing that Embrace had my back. The vets love it as well. My latest claims totaled more than $5,000 and Embrace picked up 80% since I'd already met my deductible. Luckily my dog is now healthy - albeit with food allergies - and on a GI maintenance regime that will hopefully keep her healthy and happy for years. Embrace totally rocks!

When we adopted our mixed breed Schnauzer 6 yrs ago, we were advised to consider pet Health insurance for possible unforeseen emergencies. When we discovered that vet bills could be higher that human health bills, we opted after careful research for the 90-10 plan from Embrace with a $500 deductible & $10,0000 annual limit. For the 1 st 3 years of the coverage was about a wash with the few vet bills & related problems basically a break even experience. However, just under 3 years ago, our pooch lost most of her eye site and was diagnosed with a large but slow growing brain tumor which with treatment could have a reasonably normal life. Since this event, Embrace has paid out almost $15,000 and has renewed our policy with no ifs ,ands or buts. They have been honest & fair throughout the entire process. As a business & property owner dealing with numerous insurance issues on a regular basis, I found these folks to be the gold standard on how an insurance company is supposed to operate. Unfortunately, Embrace has proved to be the exception rather than the rule. Other insurance companies would be smart to emulate the dealings of these folks. Over all a 10 out of 10!

In one office visit, we finally hit our deductible. We've only had to send in one claim so far and it is already worth it.

I cant say enough about "Embrace"...if my dog can speak she would Thank-you for all the care they have given her to make her life...I truly can't say enough about how everyone is so attentive and professional....Thank-you "Embrace"....Your friend Chubz

I've been to the vet many times with my 10+ year old Great Pyrenees. My vet is always willing to submit the claims for me with the claim form I left with them. This makes each claim super easy. I'm always reimbursed quickly and without any problems. I'm so glad I started this insurance coverage for my dog when he was a puppy. It is reassuring to know I can take care of Rajah as he ages without astronomical vet bills.