Embrace | Pet Insurance Review

We hadn't been insured with Embrace but for a couple of Months when my little buddy (Buster) hurt his right elbow. I was contacted before this by Embrace, asking why I did not have the orthopedic waiver done. We barely had enough money to buy the policy, let alone take him in for an exam. Well, a week later, he came down with a stinkin ear infection. My vet did the ortho exam at the same time for no charge. Of course his elbow injury was going to be excluded for a period, but I cannot remember how long. That was understandable, though now I had wished we had done it to begin with. About two weeks later, Buster woke me at 3am and just looked at me. A few minutes later he was in a full blown seizure. We rushed him to a local emergency vets office. At 8am, my buddy passed away. He was not even three yet. I was devistated. The only thing the doctors could figure was that he had an aneurism or some other issue in the brain. All of the other tests we did were negative. I waited a few weeks before finally submitting all of the paperwork, for the ear and seizure. I had an approval in less than 24 hours and a check in hand within a week. When they found out about Busters passing, they had refunded the balance of my premium within a couple of days, without a word. I made sure I had ALL of the required documentation prior to faxing it in, so i am sure that had something to do with their quick response. This is my experience and I will definately use them again. I appreciated the

Very happy with the coverage. Even with a cat with pre-existing conditions, the claim was processed quickly and fairly. Have heard bad things about other insurances and am happy to have chosen Embrace. Just my one claim made the policy worth while.

My family got its first puppy last year and one of the first things we did was research for a quality insurance. There were many available, but Embrace caught our eye because of its flexible plan. This month, we put in a claim because our dog had an adverse allergic reaction to a vaccine, making ill enough to need medication. Embrace contacted us and gave simple instructions to follow, and it was prompt in delivery. I hope I never have to file a claim for anything more severe than that for the next couple of years, but if I do, I'll have peace of mind knowing that Embrace will work with our family for our dog's health and well-being.

After having VPI pet insurance for our two 12 & 14 lbs. chihuahuas, it only took one year for us to reseach other pet insurances before selecting Embrace. We could not be happier. While pre-existing is tricking coverage, Embrace does cover preexisting after first year and Embrace pays based on your bill not pre determined fee schedule. You can select your own plan, and Embrace pays so quickly. We just love Embrace and also love the new well care coverage.Our little girls are like our kids now that our 3 daughers are adults. Having this coverage means alot to our piece of mind having small dogs. Regards, Carol & Bob, and Maggie & Mango

Embrace is a terrific organization...the customer service folks are courteous and helpful, and the claims process is as easy as can be. They really helped me out when my poor pug Pixie got diagnosed with hip dysplasia...ended up getting over 50% of the money I spent on an office visit and x-rays (would've been more, but I had to meet the $200 deductible and 10% co-pay). Spent $670 on the office visit, got $345 back. Can't complain at all. I wouldn't hesitate to recommend Embrace!