Embrace | Pet Insurance Review

After a year of debating if getting a puppy was a good idea, We took home our little Pug (Maddie) in the summer of 2014. Being a first time pet owner I had a million questions about everything. Our Vet gave us some brochures on pet insurance. I literally spent weeks comparing them all. I am so glad that I chose Embrace. They have been wonderful. We completed the medical history review which is great because it doesn't leave you wondering what they will or won't cover. Maddie developed generalized demodicosis with a secondary infection. She also has a food allergy and possibly some other allergy that made diagnosis a little more tricky. Embrace has covered almost everything from the Vet, to the Dermatologist, to a second dermatologist opinion. There was one time a claim was denied because the adjuster felt it was a skin problem that fell under pre-existing conditions. But the appeal process was simple and easy I submitted a visit summary from the vet that I get after every visit and in like 1 week it was approved. Customer service is excellent. The only reason I gave a 9 instead of a 10 was I think there is some room for improvement in the area of submitting claims like uploading them to the website instead of mailing them. Also there call wait times can be long But they never try to rush you off the phone. I would highly recommend Embrace pet insurance to anyone who is getting a puppy. It is the best money I have spent on her.

I purchased Embrace for my dog Izzy when she was ~ 1yr old, a few friends of mine had issues with their young dogs which required expensive surgeries. I was thankful that in 5yrs I did not have to use it. Then this year my dog developed a cancerous tumor which had to be removed, she had 3 tumors but only 1 was cancerous. The surgery cost $3000. The Embrace claim form was easy to download, was submitted with all paperwork right from my vets office and I received a reimbursement check in ~ 1 month. It was a relief to know that a portion of that large surgical bill would be covered.

We've experienced the need for many claims here lately and without Embrace insurance I know we would be financially strapped by now. At a minimum I think everyone should get accident and illness coverage for thier animals. Thank you for the fast claim turnaround.

We got Embrace as a "just in case" when we first rescued our little puppy. We had it for about a year when she tested positive for heartworms. She was on preventative and somehow they didn't work. Embrace has saved our dog and our wallets!! Her treatments were close to $2000 and we were so grateful to have them!! We couldn't have done the treatment without them!!! The checks came to us so quickly and with NO hassle! We will forever use Embrace and recommend them to anyone who will listen!!!

We recently adopted a rescued adult Saint Bernard. Unfortunately, we also adopted a slew of health problems. Now two surgeries, numerous visits for bandage changes/various tests, and now chemotherapy treatments later, I can't say how grateful we are to have Embrace! Yes, getting the initial claims approved was a hassle, requiring a couple of phone calls reiterating that our dog is a rescue, and that we had no prior medical history. But once that was cleared up, they have been PHENOMINAL, covering every claim super-fast.