Embrace | Pet Insurance Review

Recently my 7 year old Shetland Sheepdog Lexie had to have lifesaving surgery to remove her gallbladder and a gallstone obstructing her bile duct. The operation was a difficult one which required the referral to a specialty vet near Baltimore. The final invoices totaled more than $6,000. I am so grateful that Embrace was there to process my claims in less than 2 weeks and have the checks in the mail. This has made a very stressful situation less painful. The phone and email contacts with Embrace have been wonderful and helpful. Thank you Embrace for giving my Lexie a 2nd chance in life!!

Unfortunately my puppy got sick approximately 6 months after I signed up for Embrace. They paid every claim they were supposed to pay. One vet visit alone was over $10,000 and while it did take them a little bit of time to go through each charge line by line because it was pretty complicated for a week in ICU ~ they paid every penny that they were responsible for. They even covered platelets for her blood transfusions. I really expected Embrace to raise my rates and deny claims with loopholes ~ like another well known company did with another dog I had ~ but they didn't. They had some growing pains in there with all the new people they hired because the company grew fast.... so claims took awhile to handle for a brief period. But all in all ~ they were first class from beginning to end!

I wondered about pet insurance for years but was worried it was a scam. When I added a second dog to my family I decided to try it out. I never wanted to have to make a decision on my pets health due to money and I have not been sorry. It's one of those things you hope you never have to use, but unfortunately I have needed it a few times with both dogs. So far I have found it to be fair and prompt. I only wish it had been around when my 11 year old was young because I'm spending a lot of money on his pre-existing conditions to no fault of the company. I highly recommend it if you don't have a huge savings account and want to take good care of your pets.

Our cat was hospitalized for a week, expensive tests, etc. It would be a tough time to cover multi-thousand bills without help from Embrace. Thank you for coming to help us when it was so necessary!

I don't know why, but we had never purchased health insurance with our previous 5 dogs. When we adopted this dog, Embrace was recommended as one of the best by our vet's office. Now we know why. Right away we had to submit a couple of claims for some minor problems. The process is very easy and the checks came right away. Embrace is excellent about maintaining communication with us.