Embrace | Pet Insurance Review

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.

It takes much longer for me to file the claim than for Embrace to respond and send updates. I always get great customer service that answers all my questions no matter how basic they are.

Embrace is not like a regular "insurance" company..... they actually care. I have had so many bad experiences with my human health insurance that I really thought far too long about signing up with Embrace. I figured that if MY health insurance was such a disaster a PET health insurance company had to be far worse. Boy was I wrong. Shortly after signing up with Embrace my dog tore his anterior crucidate ligament (ACL). I figured there is no way they would pay. They will try to get out of it somehow. Not only did they pay for my dog's surgery (almost $4000.00 and they paid 90%) complete with his new fancy leg implant plus his follow-ups... but I received tons of emails checking on how he was feeling. I could not believe it! My dog's health insurance is better than mine. Also, most pet health insurance companies do not pay for orthopedic injuries such as ACL tears and hip replacements. But Embrace does. My husband and I recently rescued a dog from a local shelter and we are going to sign him up too. I LOVE Embrace! You will too!! Oh, by the way, my check came in about 4 days. Yay!

I have only good things to say about Embrace. I have a teacup Yorkie and visits the doctor regularly. I dont have any issues. Im current waiting for a refund check which was submitted on the 23rd of November. I submitted the claim from a Feb doctor visit and they had no issues refunding money back to me. So far so good.

My Cocker Spaniel mix had to have a papiloma (horn-like growth) removed from her paw two years in a row. The customer service people were so helpful during this stressful time. And the reimbursement checks arrived before the credit card bill. I am so glad we decided to get Embrace Insurance for both our dogs.