Embrace | Pet Insurance Review

We almost lost Gracie shortly after we rescued her. She needed to be spayed so we took her to a vet we trusted for the surgery. She had a terrible reaction to one of the medications she was given and ended up in the ICUfor three days. Fortunately she recovered and has been in pretty good health since. We decided to purchase health insurance after that and other than having some allergy issues we have not had to use it much. However, she is getting older now, almost 8, so we may need the coverage more. We have been very happy with our experience with Embrace. The rates are going up but that happens to all of us as we age.

Both my pet Rascal and I am so impressed with Embrace Insurance! Rascal appreciates knowing his mom doesn't have financial concerns over his medical problems ... and I am eternally grateful that I believe animals, being family members, deserve medical insurance. Your company covers most every situation, is honest, and promptly pays Rascal's claims. I'm glad indeed I have Embrace Insurance!

I added prescription coverage for my dog this year and you have been fantastic as always to cover for each one of the new medication and refills. I am happy to have chosen your company because you DELIVER what you say and in a very timely matter. Thanks! Silvia & Modi' the Labradoodle

We have had Embrace insurance for both of our Lab mixes since our they were pups 4 years ago. We just submitted a claim for hot spots and will be receiving a check for 80% of the bill next week. We have always been very pleased with how easy it is to submit claims and we have always received exactly what our policy dictates based on what hated out of a pet policy. Even though I would consider both our dogs healthy. Being very active outdoor loving labs who spend a lot of time running in the woods, they do get hurt or have minor issues. Even our vet is very impressed with our Embrace insurance and is now recommending it to other patients owners. We also always recommend Embrace to other pet owners.

I bought my 1st policy from Embrace alomst a year ago. They've made so many mistakes, I can't name them all, from asking the wrong vet for info on my dog to processing a medical/wellness claim as just a wellness claim. Now they refuse to pay any portion(including Heartguard) for that claim. They say they can't get the info they need from the vet (that lying vet said they gave them all the info they asked for-when they finally asked the right vet). Apparently, this is a normal tactic to avoid paying a legitimate claim. They haven't paid any medical claims (deductible),and wouldn't have to for this claim; they just use it as an excuse not to pay the wellness claim. This is the kind of company that gives insurance a bad name.