Shock diagnosis did not bankrupt me, thanks to Embrace!

Out of 10

I have been an Embrace member for several years through USAA. I switched after my previous pet insurance went up to $800 a year for my cavachon, Calvin, despite his never having been diagnosed or treated for any chronic illness even at age 8. About a year after I switched plans to Embrace, routine "senior dog" bloodwork recommended annually by my vet detected extremely high liver enzyme levels. After various tests were inconclusive, my vet recommended a specialist who recommended a full liver biopsy with four liver samples taken. At that point, including the surgery needed for the biopsy, the total vet bills were upwards of $4,000. Then, once Calvin was diagnosed with copper storage disease, I had to pay for expensive medication to pull the excess copper out of his liver. Fortunately Embrace quickly reimbursed me everything but the small deductible and co-pay I had selected. Prior to this I had very recently been through a traumatic divorce, and my income was reduced over 75%. So, Embrace was salvation for me financially and emotionally, since Calvin was my sole comfort on many days, and I didn't have to worry that I would not be able to afford to care for him now that he was sick. I don't know what I would have done if I had not had Embrace. I recommend pet insurance to everyone now, and specifically Embrace. You never know what life will bring - be prepared to care for your pet!

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Copper storage disease (congenital, previously undiagnosed)
Claim Amount
Over $1000

Mixed Breed

Age of Pet
Over 8 years

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Posted: 03/24/2018

I have a 3yr old susihu male. He fixed.

Posted: 04/20/2018

My cat Sunshine loves Embrace as do I because I can always afford a vet for him when he needs one. Last year his allergies to grass, pollen and dust along with other things made skin testing an absolute need. NO PROBLEM !! Embrace paid his nearly $2000.00 bill except for my deductible which i could not have done. I now know what to do for him. The check came quickly and although the injections did not work for him, I know what to avoid. Recently I purchased an air purifier and in the winter a humidifier. So far my boy is happy and not scratching his skin raw as he was before testing. I am so grateful to the employees at Embrace as they have always been helpful and patient explaining things. Sun and I have been Embracing this company for almost 9 years.

Posted: 11/16/2018

I've had Embrace for many years for two dogs. The first dog on the policy(Roxy) the monthly dues have more than doubled, and it doesn't even cover wellness visits. I would like to know why the premiums keep going up!!