Embrace | Pet Insurance Review

I have had both a good experience (1st rescue pup) and an absolutely dreadful experience (second rescue pup I added) insuring my two rescues with them. I’m not sure what has changed with them in the last few years, but best advice is to read everything, ask as many questions up front as to what the will cover and what they won’t based on your dogs pre-existing conditions (if any). I think for my second dog I would have been much better off just putting the same amount as the premium into a savings account, as $600/yr plus $500 deductible only to find out half the time he is excluded based on prior history is not fun.

Very friendly and helpful staff. Crystal was patient since this was my first claim she walked me through.

Again, the claim submission process is super easy! My dog underwent TPLO surgery and Embrace is covering 80% of the cost so instead of being out of pocket for $6K, I am only paying $1200 once I meet my deductible.

Customer service is great and I have the coverage that my dogs and cats need. I have filed claims and was reimbursed quickly. My only issue with this company is that they are quite pricey. But, they all seem to be. What's more, some of my cats and one of my dogs are seniors, which boosts the costs substantially. I highly recommend pet insurance and do recommend Embrace. But know that, whoever you go with, it will be expensive. However, if an emergency comes up, it will save you money, and perhaps you cat's or dog's life. You never want to have to make a decision about life-saving surgery or a procedure against the cost if you don't have insurance.

It was easy. Just hope it’s not a problem getting my refund back 🥰