Embrace | Pet Insurance Review

My Dog has had so many health problems over the last year. When I got Embrace Pet Insurance I had no idea a month later my Dog would rupture a disk and need spinal cord surgery. It was extremely expensive and because I hadn't done the Orthopedic Waiver in time, it wasn't covered. I was very upset and asked myself what the point of having Insurance was and almost cancelled it. One year later (last month) my pet had a hip injury and when the Vet went to do an x-ray they found he had bladder stones and an enlarged liver. They had to do surgery to remove the stones and a liver biopsy to find out more info on the liver. And it was COVERED! I was very happy I kept the insurance since the surgery was $3k. We are still having to do more testing on the liver side (which will hopefully be covered). But everything I've been paying to Embrace has been worth it. They also cover taxes when they pay out a claim which I really appreciate. Even though that's a small portion, to me it shows the quality of the organization and customer service. Also, any time I have ever reached out to them they are always very professional and genuine. You can tell they want to be able to help as much as they can, even if they can't always tell you the answer you want to hear.

Embrace followed through with our claim for our Lucy (boxer). Lucy had a small tumor removed and after filing her claim, we received a check for reimbursement on 80%, after our deductible as agreed in our plan. Check came in 7 days. Great experience!

Our 11.5 year old golden retriever developed primary hyperparathyroidism, which required us to travel for her to receive specialized treatment and surgery. We were so worried for her - she is older and though the surgery is pretty straight forward, the post-surgical phase can be quite complicated to manage and required ICU hospitalization. Embrace did an awesome job handling our claim! We sent in all the paperwork at the end of the treatment and everything was covered. All told the imaging and blood work necessary to diagnose, the surgery, and all the post-surgical monitoring - close to $5000 - was all covered. I have to say that we have had pet insurance for 8 years for our dogs (we did have 2 dogs - one has since passed away from cancer) and more years than not we have sincerely felt like it has been a solid investment. We don't make vetting decisions based on what is or is not covered by insurance, but it definitely helps offset costs associated with providing care to our beloved pets.

10+ for responsive customer service and care

Our 7 year old standard poodle who never had any serious issues suddenly bloated while at a daycare facility and was rushed to the ER vet. We were told that the surgery and hospital stay would run between $5 and $6k, and that it was ok if we needed to say goodbye to our beloved dog that night. We went ahead with the surgery and submitted the claim to Embrace. Within a few days of the surgery we got an email saying we were were covered up the the max ($5000 minus a $500 deductible). You can just imagine the relief! A few days later the check was issued. I recommend Embrace now to all pet owners. The premiums are reasonable considering the high cost of life-saving surgeries and the service was impeccable. We've been with them ever since our dog was a puppy and 7 years later they really came through for us. And to think we almost cancelled the insurance last August because our dog had never had any major issues. I'm so glad we stayed with Embrace.