Embrace | Pet Insurance Review

Started with Embrace after a rather horrible 12 months period with my three dogs. It has functioned as I had hoped. Mostly I have paid the premiums and not put in claims. But...when I have had to put in claims I have been very pleased with my experience. Sometimes it seems like I've had to do lots of paperwork but this was just because on the initial claims for a dog, you are asked for more. I am very appreciative that Embrace covers hereditary conditions. I have cavalier king charles spaniels which are prone to mitral valve disease and had few choice in companies who would voer this.

My dog had 2 lumps on his chest that had grown very rapidly over the last 2 months. We had both removed and checked by a pathologist. The total bill was close to $1100, which included a dental cleaning (not included in his plan) we decided to do while he was under anesthesia. In less than 2 weeks, Embrace reimbursed use for their percentage of everything covered under his plan.

I insured my mixed breed dog 4 months ago, and when his birthday rolled around I took him in for his annual healthy dog exam. Because I had insurance I felt free to let our [trusted] vet perform whatever tests he felted he needed to in order to insure that Abijah was healthy. Our bill came to $261, and although my allowable reinbursement was only $200, it certainly took the "ouch" out of the bill. My Customer Service rep was ontop of my claim, and my reinbursement hit in 8 days. I consider the Wellness Policy sort of a savings plan for my dog (as my payment just about covers the $200 allowed). This works for me. :)

We have recently switched over to Embrace and are very happy with the new insurance. They are prompt, extremely responsive, and they cover what they said they would cover with no hidden agendas or surprises. We are recommending embrace to all of our friends with pets.

I bought this policy when my dog was very young, after having paid for a very expensive hospital stay to treat pneumonia. I have used it as a buffer in case anything untoward ever happened to her, while paying up front on my own for any normal wellness care. The first time I had to make a claim was for juvenile cataracts after having held the policy for a couple years. The surgery was over $2000 and I was very nervous about dealing with the insurance. Well my nervousness turned out to be totally unnecessary. I was covered for 90% of the surgery and Embrace was efficient, polite, and prompt with payment. My boston has nearly 100% vision and I could not be more pleased with Embrace's response. The only reason I do not give this policy a 10 is that it is one of the more expensive ones out there. Worth it for me though.