Embrace | Pet Insurance Review

When our 12 year old girl fell seriously ill with pancreatitis, we were terrified. Our sweet girl barely survived -- the intensive care of several specialists, in partnership with her regular veterinarian, saved her life. I spent quite a bit of time researching pet insurance prior to enrolling Cleo in Embrace many years ago. I chose Embrace for their excellent reputation and their flexible, straightforward plan (I want to make health decisions with my veterinarians -- not my insurance company!). Thankfully, I did not have a single claim prior to this event -- but that made me all the more nervous. Would Embrace live up to their promises? Thankfully, yes, they did. Within a few weeks, our claim -- which, in its entirety, encompassed several trips to both a specialty and standard veterinary hospital -- was covered exactly as our plan detailed. We were reimbursed promptly, much to our relief. Here's where it gets even better: like most insurance policies, the policy only extends for one year. Embrace wasn't legally committed to renew her policy after the year expired. I called them to express this concern: would they drop her after we filed a notable claim? Though we are longtime, dedicated clients, she is, after all, 12 years old, and this was a significant claim. A kind service representative assured me that though they were not obligated to offer a renewal, they don't, as a company, believe in conducting business like that. The service representative recalled only

My 6 month old german shepherd, Nylah got a hold of a bottle of ibuprofen. Unfortunately she injested 14 pills. Thankfully, I live close to our veterinary, we were able to get her there within 20 mins - just in that amount of time she was frothing at the mouth. The Veterinary immediately began the protocol for Ibuprofen Toxicity. Her baseline bloodwork showed that her kidney and liver levels were high in which the Veterinary explained that the ibuprofen had begun some damage. To help flush her organs Nylah was kept at the vet for 48 hrs on fluids along with gastroinstestinal medications. Nylah was released and her kidney and liver levels are back to normal. There is no guarantee no damage was done to her kidney/liver, but if there is it's very minimal. A month later and Nylah is back to her normal playful self. I am so thankful to my Veterinary and Embrace. Our bill was $1800.00, in which Embrace covered $1,087.00. Having four children w/one just starting college this was a huge relief.

I've never had pet insurance on my pets before. After a bad experience with the loss of my 15 month puppy I figured I would give it a try. I couldn't be happier so far. Their premiums were a fair cost but what sold me what their wellness benefits. They practically pay for themselves. Embrace processes their wellness benefit claims fast. I just fax over the paperwork and I receive a check in less than a week; usually within 3-5 days.

This is the first time we have had pet insurance and it's been an excellent experience so far. We are using the Wellness option and our first check was received within 10 days of the visit. The communication, documentation, and follow up have been great. We have also had to call on a few occasions and have gotten to a live person very quickly, a welcome change to most customer service calls we make.

I recommend getting Embrace because you just never know what can happen to your loved pet. My female 9 year old lab had urinary tract infections for over a year and finally she had to have surgery to correct the problem and Embrace helped us financially. It was so nice to have help with an unexpected expense.