Embrace | Pet Insurance Review

I have VPI on one dog and Embrace for the other. Embrace pays at least 3x faster.I am very happy with the attention my claims have received and feel my reimburesment was very fair.

We had Embrace for both of our boxers. Our first and only claim was a great disappointment. After review of our boxer's medical records, they eliminated coverage on just about all potential future issues. This included the shape of his jaw, being a boxer. The evaluator stated that there would still be value in keeping insurance for things such as torn toenail! Unbelievable. Never again!! Waste of money.

I am amazed at how prompt and efficient Embrace has been in reimbursing my claims. My 2 dogs have excellent vet care and I am appreciative of how Embrace handles all claims. Thank yyou Embrace staff! Spencer Lauger Jr and pets pug Walleen & terrier/poodle Freddy

Embrace is the only pet insurance to use! I let our vet know and am always repeating that whenever I am in their office! After putting our first dog through chemotherapy in early 2000s, my husband and I knew that moving forward, we must get pet insurance. At the time, there were not many on the market and choosing the most reliable one. After several years of using that one, we started a savings account instead, which would be specifically for our dog and veterinary costs. We had done the math and found that we really were not saving any money and it would not cover any big surgeries, after reading the fine print! So, why bother? Then we found Embrace insurance! I can already say that within the year and a half that we have had them for both of our dogs, 5 and 10 years old, we have already saved money! When choosing Embrace, and using the comparison tables on the other well known pet insurances and what was covered with costs, etc., it is a no-brainer! I have had great customer service with Laura Bennett and Amanda Collins. Thank you! Also, I am in school to be a Veterinary Technician and devote my life to dogs and animals in general and have done extensive research into pet insurance and know for a fact that I am experiencing the best possible deal! :)

I took the Embrace policy out when we adopted our greyhound based on generally good reviews. It seemed okay until we adopted our second dog, a mixed breed. Both dogs are young and full of energy and like to play fight(as all my dogs over the years have done). During one of these playful moments, the greyhound got a bit carried away and accidentally bit the mixed breed. It was a small wound, nothing terribly serious, but my wife took the mixed breed to the vet to get some antibiotics and one stitch. Embrace declined the claim based a pre-existing condition of aggression on the mixed breed because the vet used a muzzle to take blood at some point in the past. First of all, it was the Greyhound that bit the mixed breed, not the other way around. Second of all, in addition to the greyhound, the mixed breed lives with two cats and two kids. There is no way we could have an aggressive dog in our house. Clearly this was Embrace's tactic to get out of the claim. When challenged about it, they told me to fill out MORE paperwork for an appeal. That's when I canceled the policy.