Embrace | Pet Insurance Review

I wouldn't normally not by "just in case" insurance; but having own a dog that "passed away" in Dec 2013.....you don't know how emotional it can be when you love of your life pet gets sick. Although, we would continue to spend whatever it takes for Haley to get well....the emotions involved and not knowing when to quit subjecting your dog to tests, tests, and more tests.....I wanted to safeguard my emotions.....and ensure I am making the right decisions for my pets. Embrace...definitely has the best interest for both pet and owner....The wellness plan and insurance is the best plan I have researched....I highly recommend Embrace to pet owners. Their communications are great! You really can't go wrong with the plan.

I researched 12 companies before deciding on Embrace for our English Bulldog Puppy -Tugger. We are completely thrilled with out choice so far and really appreciate the courteous and quick service we have recieved. Plus, the coverage for our boy to have great medical care, to me there was no comparison from all I researched. We are very happy Embracers!

I did a lot of research prior to choosing my pet insurance. I did so much that I got overwhelmed and walked away for awhile, and then came back to it. Embrace was the clearly the best choice when I came back with fresh eyes. The telephone customer service is very prompt and polite. The emails are clear. The Wellness rewards are awesome (I just regret not getting the higher level of wellness rewards--it's amazing how quickly the wellness-related bills add up). I also think that the things that the insurance plans cover are ideal for the consumer and make sense. The only thing I wasn't clear about from the beginning was having to have all the vets that my pets had seen fax over information. Additionally, asking the vet to fill out the form for an accident/illness claim is a little stressful, but I think that all pet insurances ask for this.

So I never do these review things. I rely on them but rarely fill them out (I know ...). That being said, my dog recently passed after an illness of many months. Almost $9,000 in claims. Embrace - NEVER - questioned anything. Not a chemo protocol, a procedure, nothing. After my deductible they simply paid 90% within a week or two. I did have one of the higher level plans. After my dog died more than one customer service person reached out to share their condolences. It was not cheap coverage but in the end they delivered as promised.

I've only been a customer for about a month, but I've been impressed with their customer service. They've answered several questions for me very promptly. I've spoken with them over the phone and through e-mail and they are very courteous. Our orthopedic waivers were filed immediately, and I submitted two wellness claims that were paid out quickly though their optional wellness program. I now have direct deposit set up so that I don't have to wait on a check. We wanted pet insurance for emergencies, not for routine care or minor accidents/illnesses. We have healthy Corgis but the breed is prone to cancer, degenerative myleopathy, and back and knee problems which require surgery ($3-5k). As such, we chose to go with a $1,000 deductible and 90% payout for up to $10,000. For our dogs, this is about $17/dog per month. If you're a member of USAA, they offer a discount through the USAA website. Hopefully we will never need it, but it will be there if we do and makes me feel more secure knowing that money won't be the deciding factor in our pets healthcare.