Embrace | Pet Insurance Review

I will tell you upfront that I am suspicious of ALL insurance. Experience has taught me this. So when I split with my wife and my cat Tom - my best friend - started to spend loooong amounts of time alone while I was at work I became slightly concerned - especially when he began to have medical problems.They were nothing serious at first but they seemed to portend trouble ahead. After a visit to my local vet one of the techs there suggested Embrace to me. You know, just in case. I was hesitant but that particular visit had been pricey so I called Embrace on a fact-finding mission and immediately liked them - small company, very personalized service. I did coverage and a wellness plan and then hoped I'd never need them. That disappeared quickly as Tom suffered one thing after another over the next three months, having a hospitalization for IV treatment as he developed Pancreatitis, a form of Hep and Fatty Liver disease. Our time became a ouroboros - I had to work increasingly long hours to pay for his treatments and this left Tom susceptible to a degree of loneliness that, in the end, just perpetuated his problems. During this time Embrace was amazing. Honestly I didn't have the chance to pay into the account for Tom what they reimbursed me with their payouts, and those payouts literally saved my life. The initial costs for Tom's treatment were crippling me and seriously in danger of affecting me making my rent. Embrace gave me the chance to give Tom a chance. Unfortunately it ended up being Tom's time to go and he passed away last week. I called to cancel the policy the next day and two days later I received a sympathy card in the mail - personalized by every staff member I had spoken to at Embrace. It made me cry in the best possible ways. After this experience I can honestly say that Embrace is the best thing I did for Tom -and myself.

EVERYTIME I HAVE CALLED I HAVE HAD A GREAT EXPERINCE. EVERYONE IS SO NICE AND HELPFUL, THANKS AGAIN. I SO WANT TO WORK AT EMBRACE.

We have processed several claims this year and each one has been promptly processed (within 1 week), with reimbursement checks to follow. Their customer service is the best and everything is clearly spelled out in their policy - I know what's covered and what isn't.

I have had pet insurance with other companies. For my current dogs I tried Embrace when I first got these dogs as puppies. The rates are about what I paid with other companies, but the patient portal is maddening. There does not seem to be an option to opt out of it. Of course I don't access it daily, so I don't remember my user name and password. It would be easier if my claim details would be an attachment in an e-mail.

Thank you Embrace. You were thorough and expedient in our claim process.I will spread the word!