Embrace | Pet Insurance Review

My experience thus far with Embrace has been very positive.They have been very responsive after receiving claims and have been very clear about what their policies are. We had a waiting period because our dog wasn't a puppy, but they have been true to their word on everything.

First things first: Embrace doesn't do anything like ask me to write a good review for them and then they'll reduce my insurance costs or anything like this (though, that'd be kinda cool - j/k). I'm writing this of my own free will because I've really been so pleased with Embrace over the last almost 2 years they've covered my dog. I signed up for coverage for my puppy when she was just a couple months old - which is smart to do. That way they do not yet have any pre-existing conditions. However, before I had coverage I took my puppy to the vet for some "goopy eyes" and the (not very good) vet deemed it allergies. I have since changed vets since I wasn't happy with their diagnoses over time. However this "allergies" still remained as a pre-existing condition with Embrace. So anytime my dog had any problems that could have anything to do with "allergies" it wasn't covered. I never complained (I probably should have) but it was very maddening to me. HOWEVER: my claims contact at Embrace took it upon herself to investigate the pre-existing condition of "allergies causing conjunctivitis" and reviewed this with underwriters to decide that this should be removed. UNBELIEVABLE!! I've never heard of this kind of "let's look into this and put the patient first" attitude with insurance companies. Not from animal insurance companies OR human! Well done, Embrace. You have made a huge fan out of me. And I know A LOT of dog owners. ;)

Just filed a claim for removing ski socks from our pup's stomach. Everything was done quickly without any issues. The annual deductible is also the best thing ever since he had an eye problem earlier in the year, we only had to pay what we owed on the deductible and our copay after that. Embrace was the best investment we could have made for our best friend. We know we will never have to have those heart breaking family issues of is our pet worth $xxxx.xx for any sort of health problem or surgery because we have him covered with Embrace. We spent about a month researching dog insurance before choosing Embrace and especially after this incident we are still 100% sure we chose the right company.

Our dog 11 yrd old dog Homer had a lump removed from his upper lip 6 days ago. I just received the Explanation of Benefits and they are depositing the refund directly into our checking account (previously arranged). The only thing Embrace can't do is speed up the pathology report. The vet thinks it was just a benign cyst, but there is always the possibility of something worse. However, Embrace sends Homer good thoughts:) We have had all 3 of our mixed breed dogs insured with Embrace since June 2007. It certainly is comforting to know we have major medical coverage for illnesses and injuries. We chose our own deductible and what we wanted covered - this way pet owners can fit their own plan to their budget. If you're looking for great service and options not found elsewhere, visit Embrace!

I had never had pet insurance before Embrace. I took a long time looking at all the different pet insurance companies. None of the other companies compare to Embrace. The customer service is top notch. Any time that I have called the customer service has been so helpful and extremely nice. I also have to say that the claims department always keeps in touch and lets you know where you claim is at. Also with the reimbursement has been so fast. I truly appreciate how they send you a detailed decision on what is covered and what is not covered. Embrace is the best!