Embrace | Pet Insurance Review

With four dogs, we realized we were potentially facing HUGE vet bills if one or more got sick or was injured; it was on our minds constantly. One of our vet's clients ran up a $14,000 vet bill when her dog got sick and needed short-term kidney dialysis. That was the impetus for us to do LOTS of research into our insurance options. After narrowing it down to three companies, I called each with final questions and was sooo impressed with the pleasant and knowledgeable people at EMBRACE. Additionally, we liked the option they offered of a somewhat large deductible ($1,000 per dog), but $15,000 of yearly coverage (per dog). (After the deductible, EMBRACE pays 90% which was not available with some other companies....several topped out at 80%) The deductible and the 10% co-pay could go on a credit card if the worst happened. But, the $15,000 policy gives us incredible peace of mind and for 4 dogs, the premium was very reasonable. So far this year, 2 dogs have had "illnesses"....an ear infection and a urinary tract infection. In both cases, the vet put the claim through with the EASY to use forms EMBRACE provides and within 2 days we received an e-mail letting us know the claim was received and 2 days later, we got another e-mail confirming coverage with a link to a complete outline of the coverage amount and remaining deductible. It couldn't be easier! The coverage is exactly what was sold to us....no problems, whatsoever! Very honest and straightforward! Now we have complete confidence that if something bad happens (read expensive) to one of our dogs, we don't have to worry about doing whatever it takes to care for them! VERY glad we chose EMBRACE!

Well, this was our first real claim with Embrace and I have to say that it went very smooth. They did want prior history for our dog for the previous year but the only history we had was his regular vaccinations. After I called and spoke with them the claim went thru quickly. Having insurance with a company that does what it says it will do is great. I know that I do not have to worry if something major happens. Embrace will be there for me and my Jake.

We continue to get timely, satisfying response from the Embracers. Communication is always forthcoming and proactive, and I find that it creates even more confidence in Embrace.We plan to adopt another dog soon, and he'll be our 4th dog on an Embrace Policy. That is customer satisfaction!

I have a dog with arthritis who has needed alot of treatment and Embrace has covered most of the bills. So glad I have this insurance. They are wonderful and never have any problems. I highly recommend Embrace to everyone who owns a pet.

Embrace re-imbursed me for my dog's behavioral training. My GSD is doing well in his club class training. Great company and excellent customer service!