Embrace | Pet Insurance Review

Both our dogs have Embrace Insurance and we also opted for their Wellness Rewards program. When learning of the higher than expected cost of neutering our large breed dog, I called to see if we could upgrade our rewards program (even though renewal was not for a few more months) in order to absorb some of the cost. The service representative was extremely helpful and professional and took time to completely explain all details. Thanks to Embrace, we recouped an extra $50 back from the overall expense. They also made me aware when my email program was bouncing back their email updates to me about reimbursements. These people are a pleasure to deal with!

Romulus got into a bag of trash left outside while I let him our for his morning potty break. Unbeknownst to me, he ingested a bit of moldy cheese. Four hours later, he was convulsing. I went to my regular vet first, then he was transferred to the vet school when they could not figure out how to make his convulsions stop (they tried various anti-convulsants to no avail). They finally discovered the problem, treated his accordingly with fluids, hospitalization in ICU and very expensive meds). Of course, the only thing I was concerned about was his health at the time, but after he can home and recovered, I began to worry if Embrace would cover everything as well as they claimed they would. They did! After I submitted a claim and his records, they reimbursed me the amount agreed upon in my policy very quickly, with no questions asked. Love this company!

I am extremely happy with Embrace! Coverage is great and also the communication with the staff. They'll let you know about the progress of the claim promptly. My pug had bad allergies (turns out to plastic)and because a mistake made by my vet office my claim was denied, but after I contacted the vet office and the mistake was straightened out, Embrace re opened the case and covered most of the cost. I have recommended them to other pet owners at my vet waiting room!

When my pug Tina was diagnosed with lung lobe torsion I was devastated. I hated the idea that my poor girl would have to be opened up and have part of her lung removed. She is only 11 months old! The surgery was $4000+ and boy was I glad that I had bought her insurance when I did. Embrace covered the full 80% that I had selected when I created my policy and I was also glad I had selected to have prescriptions covered too! Never in a million years did I think I would need to use the insurance so quickly after purchasing it. I needed to make this large claim just a month after buying the policy. I'm grateful I had the foresight to buy insurance and also that Embrace has been so pleasant to deal with. I had called them around the day of the surgery to see what my policy covered because I was so distraught I could barely navigate their website or any website for that matter. Their staff on the phone was SO KIND and sympathetic and I truly felt like they were GLAD that I had coverage for her which I have NEVER HAD THAT EXPERIENCE WITH AN INSURANCE COMPANY!!! They are truly a great company with kind employees. The communication is outstanding. A+ all around.

I was blindsided by my poor pup's illness. Just one morning she was acting so lethargic and unlike her normal puppy self. I rushed her to the vet and then it was just an avalanche of expenses. X-Rays, Sonograms, Meds, Nebulizer treatments, etc. etc. In the moment, you don't care. You just want your puppy to be OK. When the bill was generated after a 2 night hospital stay, it was daunting to say the least. Embrace's terms are simple and easy to understand. My calculation of what I would be reimbursed matched their payment to the penny. No surprises. I'm so glad I did my research when choosing the best insurance company for my sweet pup.