Embrace | Pet Insurance Review

I've had Embrace insurance for my Yorkie for several years now. This is the first time the ER Vet bill was more than my deductible, and the entire process was very quick. I filled out everything online and in no time, I had the claim check. Embrace even wrote me to make sure I received it okay. Very pleased with the way my claim was handled.

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!