Embrace | Pet Insurance Review

The pet insurance price tag is small relative to what it buys...PEACE OF MIND! Can never emphasize that enough!A friend of mine once said, "you don't buy insurance on your house hoping it would burn down! You buy insurance hoping it is there if/when you need it!" Same thing here. The other BIG plus with Embrace (for me, at least) is that their reimbursement is bill based and not rate based. In other words, they pay a percentage of your bill (after your deductible is met), as opposed to some companies that set artificial thresh holds on "events/procedures" and then, to add insult to injury (pun intended), only paying a percentage of that. It didn't take me long to figure out that their thresh holds were way below what any Vet would charge.

My two year old poodle mix has been insured by Embrace since she adopted me when she was 5 months old. We have had several claims for gastritis, including one surgery. We were' doing fine until I let a friend with a dog the same age watch her. I usually use an in home professional, but decided to make an exception. After specifically writing out instructions, and providing appropriately portioned prescription dog food, my friend let my dog share some of her pet food. Needless to say we had yet another claim for gastritis. Embrace never questioned where or why. Love the peace of mind knowing I am working with such a great company.

Our Pug, Jimmy, had a very serious illness involving urinary incontinence which ultimately required a scrotal urethrostomy. Embrace was super in swift payment of claims for which we were very grateful. This was not a cheap illness which we could not afford were it not for Jimmy's Embrace coverage. Thank you Embrace.

Put simply, Embrace has been extremely helpful, speedily reimbursing every claim I've filed. I wish human insurance could be equally as responsive. If you're looking for some peace of mind choose Embrace!

I recently had to take my dog Tobin to the ER. I had a bag of dog food in the kitchen, and while I was gone, he decided to open the bag and eat... and eat... Distended belly and oh so painful - off we went to the ER. It was comforting knowing I had the insurance, and although money wouldn't have been an object, it was great not having that as an issue at all. Quick turn around from claim (although I used most of it as a deduction) but still very quick.