Embrace | Pet Insurance Review

Usually we don't need to use the insurance (thank goodness) but when we do it is definitely worth having! Wellness coverage is about equal to the premium for it so we don't have that but injury/illness coverage is wonderful. 3 unexpected/emergency vet bills and $1000.00 later it's great to be reimbursed 80%! Thank you!

In late December of 2012 we noticed Rocco was loosing weight.He also was wanting to eat and drink a lot. Also large amounts of urine. January 25 we took him to see our Vet. He wss diagnosed as diabetic and severly dehydrated. Dr.said Rocco needed to be hospital ASAP to save him. By then it was well after dark and snowing heavely. The hospital was 30 miles away in Truckee. Talk about your "Dark & Stormy Night" that was it. It took two and ahalf months for us and the Dr. to get his insulin dosage right, causing many to trips to Dr. Later in the summer Rocco developed cataracts from the diabetes & in three weeks became blind. The Dr. sent us to "Eye Care for Animals" in Reno, 50 miles away. We went the next day. After exam. Rocco was found to be a good canidate for catact surgery. The operation was done a week later and after surgery Rocco immediatlly could see again. Cost for operation $4,819.81 Emvrace re-imbursed $3,855.87. That is only one example. Our totalfor 2013 was:$11,355.11, total reimbursed: $8,220.81. Our copay was $3,505.05 If it wasn't for Emrace I'm sure we would have had to some very-very tough decisios as we don't have that kind of money. We feel it was blessiong we took out Embrace pet insurance when we did. Rocco is bvery happy he can see agoin and do dog stuff in the woods like chasing squirells and seeing his dog buddies on our street.

It took a bit longer than expected to meet the deductible (only 80% of any initial vet bills go toward the deductible, I found out the hard way), but since then the plan we chose is definitely working out. We've made several claims (Labrador puppy, need I say more) and processing has been prompt and fair. Glad to be an Embrace customer.

Our dog ingested some pork chop bones and we had to take him for some xrays. Thankfully he was able to pass them and just had to take some medicine for his stomach for a week. This was the 2nd time we have used our Embrace policy and it couldn't be easier. All I had to do was have our vet fill out part of a form and then email that along with his paid bill to Embrace and they handled it from there. Within a day I had an email saying they were working on it and in just a couple more days I was told the money would be direct deposited for me. They have expressed there concern for our dog and are always more than friendly. I would recommend them to anyone.

When our 1 year old Frenchie started vomiting blood on Christmas Day, we felt we had no choice but to get him to the Emergency Vet Clinic in our area. Embrace never questioned this decision and paid our claim promptly. Pets really do come first with Embrace, Oliver is fine now, but knowing we have this insurance gives us great peace of mind for Oliver and for our 5 year old Boxer's health care.