Embrace | Pet Insurance Review

A few years back, I lost one of my kitties to kidney disease. It made me realize how much good veterinary care is out there today, but also how expensive it can be. I know that I could never make a treatment decision based on cost, so I decided to look for a plan that would cover the big stuff. My cats now have a high deductible plan that covers up to $10,000 in treatment. Because they have $1000 deductible, the premium is quite reasonable. I cover the routine stuff out of pocket, but have protection in case something serious happens. This year, my 12 y/0 kitty was losing weight. In order to determine what was wrong, he needed some rather expensive testing (ultrasounds, etc). I was able to turn in his bills in excees of $1000 and was promptly reimbursed 80%. The claims rep kept me updated on the status of each bill until it was paid.

My English Mastiff got very sick this past August. She ended up with pneumonia. She had to spend 2 nights at the emergency animal hospital and then had to spend another night at her vet. The bill all together was around $2,000 and Embrace covered more than half of the bill. I am glad that I decided to get the Embrace Insurance. I think it is a good thing to have for your animals.

I'm a doctor who deals with health insurance for my patients on a daily basis. I wish every 'Human" insurance carrier handled my patient's claims as efficiently and intelligently as Embrace has handled Lola's claims these last four years. Prompt processing, continuous email followup, and a sense that Embrace really cares about both the pet and the owner. Have had several claims from small to surgery and had the same positive experience each time.

When you bring your sick pet in to the Vet, it will quickly amount to a costly bill when the needed blood tests/xrays,medications are prescribed. The one sure comfort I had is that I had Embrace to help me pay those bills so my sweet pet could get well. Although I barely used the policy for the first few years, it has been a pure Godsend this year with the huge orthopedic surgery bills, rehab etc. and now with this new case of enteritis. I have been highly recommending Embrace to all my friends adopting/purchasing a family pet. I gave it a 9 because the day I adopted my dog, I brought it to my Vet who wrote in his medical record that he thought my dog might have a skin allergy or just poor care from being on the street/shelter life. Embrace considered that notation a pre-condition because of that early visit. Sure enough, after time, my little one does have allergies but the shots/tests were/aren't covered.

My first time having pet insurance and I picked the right one. Excellent service and the representatives are great. Make it easier to just take care of my dear cat.