Embrace | Pet Insurance Review

I chose Embrace because of consumer reviews. I now spread the word wherever I go. They are available to answer any questions and are very transparent about what they cover and why/why not.

We have had Embrace Pet insurance for about a year now and just reupped for a second term. My experience so far has been nothing but positive. The claims embracerers have been responsive to my questions via email and my claims have gone through in a matter of weeks with autodeposit straight back into my bank account. I have had no problems with coverage of claims, the entire process is smooth and straight forward with an extra added benefit of personalized customer service.

It's really a great comfort to know that whenever a pet is perceived as having any health related issue that there is no longer a reason to feel stressed about whether or not to take the pet to the vet to get checked out. This is my 2nd year with Embrace and I wish I had known about them many years ago.

Disclaimer: I am a new customer and I am writing this review in response to the first reimbursement from Embrace. I also have nothing to compare Embrace to. So, more will be revealed but so far, so good. Excellent customer service: actual people who are kind, polite, and literate keep me up to date with the progress of the claim. Now, on the downside, I expected the policy to cover annual checkups. This is something that Embrace should provide: prevention, after all, is in their best interest. If they covered preventive care (i.e., annual checkups) I would give them a 10.

Our 3 year old English Bulldog had a luxating patella in her left rear leg. It took a couple of vet appointments for it to be correctly diagnosed as we first thought it was an ACL injury. Knowing we had Embrace Pet Insurance was a relief as we had a labrador mix that need to have an ACL surgically repaired about 5 years ago. We didn't have insurance for her and had to absurd the whole cost of the surgery. Not this time! We were able to schedule Lexie's surgery right away for the day after she was diagnosed. The quicker a luxating patella is corrected the better chance they'll have for a full recovery without ongoing issues. Lexie is doing great now. She still has a way to go to rehabilitate her knee but she is ahead of schedule. She has about 3 more months of recovery time to call the surgery a complete success. We would not have been able to afford the cost of the surgery without Embrace Pet Insurance. Lexie's half-sister belongs to my mother-in-law. Knowing that this may have been a genetic issue we talked my mother-in-law into purchasing a new policy for her half-sister as she had let the coverage lapse. Lexie's half sister is now covered by Embrace and passed her orthopedic exam with flying colors. We are fortunate enough to have thought ahead and purchased our policy after our original AKC plan was set to renew at about 10 times the original cost. The Embrace cost has gone up a little each year but nothing like how our old AKC plan was set to increase.