Embrace | Pet Insurance Review

I got Scamp insured just after adopting her (foster failure!) at 12 weeks old. A growth defect was causing her some serious issues around a year old. I went to see a surgeon who suggested a $4000 oestotemy to correct the twisted bone growth and prevent further issues and arthritis. I was able to have the surgery pre-certified to be gaurenteed it would be covered, the surgery and the follow up exams were reimbursed at 80% after the deductable. Without it surgery would have been a much harder option. I believe the therapy swimming I just purchased should be reimbursed on the plan. They are an easy company to work with!

Having Embrace was the Best thing I ever did! Quite frankly if it wasn't for Embrace I would probably have had to give my cat away. I don't usually take the time to review stuff but I feel like Embrace really deserves it and if someone else can benefit from my good experience and also use Embrace that would be a good thing. My story is kind of long so I'll try to keep it short- but I've had cats my whole life and none have ever had major problems. Vet visits were so few that they're was never an issue. But then a little baby stray showed up in our yard and we fell in love with him and decided to keep him. Well, that was the beginning of the horror story for my wallet. He arrived a little sickly with some respiratory issues but nothing majorly serious. Well, one thing led to another and he pretty much took every vet appointment we never had before and had them all himself! It was getting to the point where I was going to have to think about giving him away to someone who could afford him. I didn't think of insurance because I always thought crazy pet people did that and/or it would be too expensive. Well, boy was I wrong! It was the best thing to do!! I researched a whole bunch, had my mind set on another one, when one of the girls at my vets office recommended I check out Embrace before I make any final decisions. I'm so glad I did. They are literally the only reason why I've been able to keep my kitty. They were the perfect fit for us, based on what we needed and the coverage they provided at a very reasonable cost. I've had them for 1 year already and the customer service has not only been incredible, everyone is so nice, but all my claims have been approved! ...and I've needed to turn in quite a few claims. They've been approved quickly and I have received the checks in a timely manner. It's a relief to see the checks because I know that with Embrace I've been able to give my kitty the best possible care because I've never had to say no because I couldn't afford it because I know I will get the majority of his vet visit reimbursed. I highly recommend them to anyone and everyone! My kitty's health is great right now and I know that if (or should I say when) he needs to go back Embrace will be there to help.

My six year old Bernese had an ACL tear and after the deductible (which was lowered by $50 because of no claims last year!) - they have paid 80% of everything including physical therapy! The turnaround between faxed claims and checks arriving has been impressive - within two weeks at the most. Very satisfied thus far!

I love this insurance!!! It gives me peace of mind owning a pet, especially when my pet is sick. The turn around is so quick when you submit your claims. Love them..thanks for helping me afford my baby...

We brought home 2 Golden Retriever puppies last March. After reviewing many plans we selected Embrace. It turned out that one of pups has an autoimmune disease/disorder and Embrace has helped us provide the quality care that she needed/needs.