Embrace | Pet Insurance Review

Embrace pet insurance is very quick to respond to claims, and they have great customer service. However, like all insurance, there is a never-ending list of "pre-existing conditions" and non-covered conditions. I understand that this is how all insurance works, but I sometimes wonder why I am spending about $1000 per year before any benefits begin to kick in ($35/month + $500 deductible). If anything catastrophic were to happen, I am sure Embrace will come in handy, but in the meantime, I wish there were more affordable pet insurance plans.

After reviewing many policies and talking with reps from different companies, I firmly decided on Embrace pet insurance for my dogs and cat. I am so glad I did as it probably was not more than 2 weeks later that I had a very frightening experience with one of my dogs ingesting an unknown substance. One trip to the Emergency Vet Hospital and going over possible costs of treatment, I had so much less financial anxiety because I knew that I had the experience of Embrace with their super friendly and helpful people behind me and I did not have to go it alone. You never know what can happen in a day and thanks to Embrace, my worry level has not vanished but has been greatly tempered. I have used one other insurance company in the past and it was horrible with nothing ever being covered. Embrace keeps you informed and turn-around times are very prompt. In this day and age this is RARE and they have been wonderful. I have told all of my friends as well as the Vet that I take my pets to that this company is very very good.

I have not been sorry one time since purchasing Embrace Insurance for, first, my dog Luce, and a year later (last month), my dog Conan. I lost 3 dogs on 3 months whose life may have been prolonged had I had insurance. So when I rescued Luce I made the decision to purchase pet Insurance. Only a few months after rescuing Luce she developed coronary and kidney problem's. These symptoms were noted before her first birthday. After all test my vet could perform were performed she was sent to Cornell Animal hospital. The best veterinary Hosp. in the country. She later developed joint problems, this occurred before she was a year and a half old. Embrace has been wonderful. I always get to speak with a person, and no claim has been denied. I recently purchased it for my year old Aussie named Conan. He has been of perfect health, thank God, but if he does get ill I have confidence Embrace will come through. I started with just the wellness plan, but have since added prescriptions. I purchased their heartworm and flea and tick medicine last month and the $ has already been refunded. Honestly, I had never purchased pet insurance and didn't know anyone who had it so I did some research, chose Embrace, and held my breath. I'm so happy I did. Great price's, great service. For under 100.00 both my dogs receive full coverage. Just another way of being a responsible pet owner.

A couple weeks ago our yellow lab with a history of eating small items of clothing couldn't keep food down for four days. Indications were she might have an intestinal blockage. Of course, we needed to take her in on a Sunday, so our vet was closed. We had to use an emergency vet, and the estimate was $775 minimum and $2200 on the high end. Having insurance gave us the financial stability to be thorough with her care. Two days and $900 dollars later our dog was fully recovered. We spent about $600 dollars total out-of-pocket ($500 of it our deductible). Embrace refunded the rest. I would recommend Embrace to anyone.

As always, Embrace came through for us again. They tease me in their office that the dogs who know they'll have medical issues always choose us to adopt them. This time it was our wobblers dog, Dag. His wobblers was pre-existing, so it has never been covered, but two months ago he was diagnosed with Lyme's disease and then two weeks later, tore his ACL. Since he's not a good candidate for surgery, Embrace covered the cost of a wonderful Orthopet stifle brace for him and he's back hobbling around like normal. I'm betting there are lots of pet ins. companies out there that don't cover things like our brace. Thanks, guys.