Embrace | Pet Insurance Review

When your dog gets hit by a car, the last thing you want to think about is how you're going to afford treatment. Luckily, I didn't have to spend time worrying about this when it happened to my dog, Jackson. If you think your dog won't get into an accident like that, get the insurance anyway. Just in case. Collars break, leashes come off, pets sneak out the front door. The claims process has been very easy. My claims from the emergency treatment and subsequent vet visits have all been processed in just a little over a week. Overall, great experience. Better than my own insurance company.

I have had embrace insurance for a one year. I have been happy with the service and have recommended it to others. Caren

I had only had my puppy for 1 month when I made the decision to get pet insurance. I had heard about VPI from my vet but I didn't like the pre-determined claims maximum they had on illnesses and injuries, especially since I didn't know if it was comparable to what vets really charge. I chose Embrace because of the reviews. At that time, Embrace had the most positive reviews and they offered plans that I could customize. About a month or two after I purchased my puppy's plan, she began favoring one leg. It turned out she needed surgery for her shoulder that was going to cost around $3,000. She had the surgery, is doing well, and Embrace reimbursed me after about 9 days of waiting. Overall, I am very happy with their customer service department.

We purchased Embrace in November. Our bulldog puppy ate a toy and ended with an intestinal blockage. The claim was processed quickly, the phone customer service was very helpful, the explanation of benefits was clear, all vet charges were accepted for the full amount, and the check was welcome.

We have 2 embrace policies, 1 dog and 1 cat. We had the policies nearly 1 full year before we ran into any major issues, but now we've had 1 major issue for each pet (It's been a difficult year) and in each case the issue started at the end of the first coverage year and wasn't even diagnosed until the 2nd so we're stuck with the continuing care maximum. With our dog the issue was elbow dysplasia and we had initial xrays done in policy yr 1 when symptoms developed, it wasn't until we were finally referred to the specialist that we were given a diagnosis. We had an additional set of xrays done and arthroscopic surgery preformed so that the vet could establish what we really going on in our dog's case. Embrace paid their 80% for both sets of xrays and the arthroscopic surgery promptly and efficiently, but now we've already hit our continuing care maximum for the year just figuring out the issue (even though we weren't able to really use the benefit of the $10,000 coverage, we only had about $600 in bills the first yr). We are lucky since the vet was able to determine that she had slight joint in congruency in her left elbow, but further surgery (such as adjusting the length of her ulna) wouldn't be recommended at this point since her cartilage looks healthy and the incongruency is minimal. We'll just have to be more mindful of her lifestyle and the amount of exercise she gets needs to be moderated so she doesn't develop arthritis. We also noticed a melano-like ma