Embrace | Pet Insurance Review

My dog has a recurring ear infection for which we've repeatedly seen a vet. I knew that medications weren't covered by my particular policy, but I did not realize that that includes not only prescriptions but all shots and drugs given at the vet's office. Basically, the only things reimbursed are the actual visits and procedures. Other than that, service is excellent: I get emails to acknowledge receipt of my claims, and reimbursements are given quickly and without a fuss.

We had previously been using Pets Best for our cat 3-year-old Evie. I chose it based on price and the fairly good reviews it received on here. They seemed better than what I had heard about with the big name ones, like VPI, but Pets Best's deductible structure sucked. It was a per-incident deductible (like car insurance), so the reimbursement was rarely worth it (unless you jacked up your premium to lower your deductible). Ex: We had a biopsy done that cost $600. After the deductible and 20% copay, I got back roughly $300, which was a little less than what I paid annually in premiums. If it were an annual deductible, I wouldn't mind eating that because I'd be set for the rest of the year. But I felt like I was pouring money into a hole and was intent on finding a pet insurance plan with an 80/20 reimbursement, annual deductible and decent customer service. I thought there couldn't possibly be a provider that met these requirements (they're all in this to make money and this is a bit of a boutique industry, right? why would they structure it actually pay out generously on claims??) until I read the reviews on here and looked more into Embrace. It's all true - they're awesome. The annual deductible makes a big, big difference. I just met mine after a blood test and exam, so it's a huge relief to know that if anything else comes up that requires a trip to the vet (or the ER), I've paid my fair share into the system and will be compensated appropriately. No starting over from

I am the most skeptical of people, but EMBRACE did what they said they would do in a courteous and polite way.

I cannot thank you enough for the quick response to my claim as well as getting reimbursed!!!! You company is great and we are very luck that we have Embrace for our insurance.

Embrace was so helpful when my dog Bruiser needed an MRI and possible surgery on his spine. Every representative I spoke to was compassionate and extremely knowledgeable. I truly appreciate their stellar customer service, and genuine concern for my dog. Embrace covered most of my expenses, which I wouldn't have been able to afford on my own. I'd recommend Embrace to all loving pet owners.