Embrace | Pet Insurance Review

Again...I can't say enough to express my appreciation of your services. After Bruno's recent bout w/pancreatitis and his extensive treatments it was comforting to you that your company was here for us (and Bruno). Your timely reimbursements and support has been very much appreciated.As always...thank you.

I had Embrace cover all 3 of my pets for over 2 years. I filed a claim when I had to take one of my cats in for a urinary tract issue. It took a few months for my claim to be processed and when I finally contacted them about it, they needed more medical records regarding both cats. After several weeks, I contacted them again and my claim was denied. The OTHER cat had been vaccinated for FIV and had the antibodies in his system. I had documentation that showed he had indeed been vaccinated. Apparently, this was considered a pre-existing condition and Embrace couldn't be sure that he didn't actually have FIV. And FIV is contagious, and the cat with the urinary tract issue could have had that problem due to the FIV that the other cat MAY have. Bottom line, the claim was denied. They then cancelled the portion of my insurance dealing with health issues, but left intact the accident part of the insurance. To their credit, they did refund the portion of the insurance I paid that dealt with health issues. I decided to cancel all of it because my boys are indoor, and although they can still have accidents, I would probably be better off just paying out of pocket. Any other health issues are not covered anyway. So no cancer, diabetes, thyroid, etc...

I got two puppies a the same time. Not the smartest decision, but keeping the brother and sister feels good now after all that training. The smartest decision was getting embrace pet insurance from the beginning! I spent years NOT using the insurance - which is really the best thing. No problems, no need. After 7 years of paying 2x the premiums I was starting to think - was it worth it. When all of a sudden my little athlete - Ali decided she could leap and turn like a ballerina. She can't - TORN ACL! Well in a moment it was all worth it, that was an expensive surgery to get her (literally) back on her feet, and I was so relieved to have Embrace behind me. I didn't have to worry about the surgery I could just get my Ali back.

I don't typically run to the vet unless I really feel it is necessary but when your dog swallows a razor, well it becomes necessary. I really could not afford a huge vet bill but I could not afford to lose her either. It 's nice to know that when you really need the help Embrace is there to help. They make submitting a claim effortless and they are gems to deal with. I'm 50 years old and didn't believe in pet insurance until I went with Embrace. I wish they did family health insurance!

I have a 5 year old Doberman who had been lame in his front leg for months. Our regular vets tried many conservative treatments to no avail. It was suggested that we seek the orthopedic vet specialist. We did that, he had shoulder arthroscopic surgery and is getting post-op physical therapy. I'm happy to report that he is lame no more. More importantly, a very expensive and long treatment has been re-imbursed by Embrace. As I mentioned, its so nice to have Embrace in my corner --I do tell everyone at the vets about you guys. Also, my daughter just added a great dane puppy to her family and is also enrolled in Embrace.