Embrace | Pet Insurance Review

My silky terrier recently has had two fairly serious procedures, knee surgery and removal of a cyst. Both times embrace processed my claim quickly and covered the vet expenses as outlined in the insurance plan (80%). I highly recommend them to all pet owners who would spend whatever was necessary to heal their pet.

I went to have routine wellness care for my 4 yr old Pharaoh hound mix, Max, and after submitting my claim, Embrace got back to me within a few hours! They were great in communicating everything I needed and how the process worked. I feel as though I was treated like an actual person with a real pet, unlike most insurance companies where you are just a policy number to them. I appreciate their help and anticipate great service in the future!

Embrace has been fantastic. Our cat Willow died after a two-week sudden illness. There were ED visits, home visit, more ED visits, inpatient critical care stays.... it was really adding up. But I just couldn't give up without giving her a chance to respond to treatment. But she just was too sick to come back to us. I was maxing out the credit cards, but I knew I'd get some back once Embrace started processing the claims. After she died, the claim process was easy and efficient. No additional emotional trauma fighting with carriers for coverage. About a week after submission, the checks began to come in the mail. The credits cards are looking better and better. Also, a week after Willow died, a client of my husband's told him that based on our recommendation, she insured her cats with Embrace and had an expensive hospitalization that was covered. My husband got a big tip from her. So, basically, thanks Embrace. I'd give back all the money for one more day with Willow. But you made one of the worst months of my life a little bit better.

With four dogs, we realized we were potentially facing HUGE vet bills if one or more got sick or was injured; it was on our minds constantly. One of our vet's clients ran up a $14,000 vet bill when her dog got sick and needed short-term kidney dialysis. That was the impetus for us to do LOTS of research into our insurance options. After narrowing it down to three companies, I called each with final questions and was sooo impressed with the pleasant and knowledgeable people at EMBRACE. Additionally, we liked the option they offered of a somewhat large deductible ($1,000 per dog), but $15,000 of yearly coverage (per dog). (After the deductible, EMBRACE pays 90% which was not available with some other companies....several topped out at 80%) The deductible and the 10% co-pay could go on a credit card if the worst happened. But, the $15,000 policy gives us incredible peace of mind and for 4 dogs, the premium was very reasonable. So far this year, 2 dogs have had "illnesses"....an ear infection and a urinary tract infection. In both cases, the vet put the claim through with the EASY to use forms EMBRACE provides and within 2 days we received an e-mail letting us know the claim was received and 2 days later, we got another e-mail confirming coverage with a link to a complete outline of the coverage amount and remaining deductible. It couldn't be easier! The coverage is exactly what was sold to us....no problems, whatsoever! Very honest and straightforward! Now we have complete confidence that if something bad happens (read expensive) to one of our dogs, we don't have to worry about doing whatever it takes to care for them! VERY glad we chose EMBRACE!

Well, this was our first real claim with Embrace and I have to say that it went very smooth. They did want prior history for our dog for the previous year but the only history we had was his regular vaccinations. After I called and spoke with them the claim went thru quickly. Having insurance with a company that does what it says it will do is great. I know that I do not have to worry if something major happens. Embrace will be there for me and my Jake.