Embrace | Pet Insurance Review

I have a lovely young chow girl who had slipping kneecaps and moderate entropion, where the lower eyelids roll inward to scar the corneas. She also managed to stab her cornea with a tiny twig or rose thorn. Embrace has really come through for us. Hopefully from now on . . .her second birthday is in two weeks, she will be healthy. . . Except for the congenital cataract on the one eye! Embrace is worth every penny.

Great coverage, fast reimbursement,I never have any issues with this company. Very good and will recommend to every pet owner.

Very thorough review of case. They had to get a year's worth of medical records with another vet in the affiliated group. Their request took over 30 days to be responded to delaying informing me. Once I asked what I could do to help was able to close the lop.

As soon as I adopted my Georgie from the shelter, I added her immediately onto my insurance policy with Embrace that insured my other dog, Lucy. In the very early morning of 2/15/15 (a Sunday), Georgie yelped out in pain as she jumped off the couch. I knew something was wrong and when I checked her, I noticed her stomach was bloated and painful. I immediately got dressed and rushed her to the emergency vet hospital. They took her back and said she had sludge in her gall bladder and needed surgery. I told them to do whatever they needed to do. About 2 hours later they called me to tell me that when they did the ultrasound on her, they saw that she was bleeding internally because her spleen had ruptured and there was a tumor on the spleen which they thought was hemangiosarcoma - a deadly cancer. They said if it was hemangiosarcoma (which 70% of the time it is), she would have at most 6 months to live. Without the surgery, she would die in a day or so. I told them to do the surgery. They told me most people put their dogs to sleep when they hear the possible diagnosis. I'm not most people. My dogs are my family. She pulled through the surgery and they removed her spleen, the tumor and her gall bladder. I was devistated at the thought of her dying in such a short time but we wouldn't have the biopsy results back for a week. She was released the next day with staples running almost the entire length of her stomach but she was eating and drinking and recovering well. That Friday night, I got a call from the vet's office to let me know that they had biopsied the spleen, tumor and gall bladder and there was NO cancer in ANY of them!! She beat the odds!! The surgery was $4,500 but it was easy to make the decision to do the surgery knowing that Embrace would cover it. On 2/25/15, I had my reimbursement from Embrace in my checking account!! That's faster than my own personal health insurance!! I have seen posts on facebook in the past week from 2 other dog owners about the same symptoms/disease/cost and they put their dogs to sleep because of it. I'm glad that I decided to go with the surgery and play the odds because now I hope to have my Georgie for MANY years to come!! Thanks Embrace for being there and handling things so promptly!!

Embrace has been a lifesaver for me in dealing with my rescue dog's non-healing corneal ulcer. While the claim was initially denied, their decision to accept the claim appeal based on my vet's analysis was very fair and since then they have paid every line item from every invoice, responded quickly and compassionately to all my questions and pre-certified Boca's surgery. I was even able to make arrangements for the insurance to pay the vet directly. My first claim payment was direct-deposited into my bank account nine days after submitting the invoice (all the rest of the pre-surgery charges went toward my deductible). I really don't know what I would have done without the insurance and will always consider it an essential part of pet guardianship. You just never know what can happen - I considered Boca my "low-risk" dog and so put her on a high-deductible plan, and ended up having a multi-thousand dollar claim within the first year. I'm so thankful that I was able to make treatment decisions for her without feeling constrained by finances.