Embrace | Pet Insurance Review

Boston Terrier Petunia has been with Embrace for 7 years. she has had vomiting and diarrhea off and on for years. my vet referred us to Vet specialist to have an endoscopy and colonoscopy. colonoscopy revealed IBS disease which we can now manage appropriately. endoscopy revealed a large 4"x2"x1" thick wad of cotton threads that was pulled from her stomach. shocking. I was tying up a small treat in a clean cotton sock and she was ripping it apart. had no idea she had ingested threads of sock and it was accumulating over time. this was a very expensive procedure. I am a single senior and Embrace paid the claim in record time. we are now hoping to go from every six weeks of vet visits to maybe one or two with a strict new diet and meds. in seven years I have never ever had a problem with a claim from Embrace. staff is wonderful and caring. please consider Embrace if you are contemplating getting pet insurance.

Fergi, My English Bulldog, has lameness problems. She gets injections to help her. Embrace pays them promptly each time she goes for an injection.

I've had the pet insurance since my dog was a puppy (now 3) -- I was going to drop it this year because my dog is about as healthy as they come. But decided to hang on one more year and was glad I did. In one month my dog got giardia AND cut open his paw on something while running and needed 4 stiches and a wrapped paw. A lot of trips to the vet and the pet insurance really came through. My vet processed all the paperwork (I just kept reminding them to submit the claims.) After the first couple of bills went through I started to receive checks from Embrace. No muss, no fuss, exactly what they said they would pay. For this year the pet insurance paid for itself. Not expecting that to happen every year but I do think it gave me a little more peace of mind should something bigger happen. I also liked the fact that after I had my dog's DNA done and he turned out to have 0% Labrador (though the adoption company labeled him a lab mix) Embrace actually reduce my premium to reflect his correct breed AND issued me a refund for the difference for the current year. I thought that was very top shelf of them to do that.

The claims process is easy and fairly quick. I make sure that I have a claims form printed when I go to the vet so that it doesn't become too cumbersome for her (if it was she would have to increase her fees to hire someone to fill out the forms) and her office faxes them immediately. I hear via email from Embrace (usually the same day) that they have received them and they are processed within a day or two. I have two dogs covered under this policy. Wish they would cover my older dog as I have to use another company for him.

Well, I am back again. My 4 year old Newfoundland had two ACL surgeries last summer. Embrace covered them both (THANK GOODNESS!). Unfortunately, she had a slip on some ice this winter and tore her meniscus. When I got the diagnosis (surgery...AGAIN!) I nearly fainted. Thankfully, not only did Embrace cover it (no questions asked), but the recovery for my dog was much easier this time around. I will continue to recommend Embrace because we are 3 for 3!