Embrace | Pet Insurance Review

Embrace is amazing! I will never own a dog without having embrace. They are so helpful and always on time! Truly amazing!!

In the beginning I was a little skeptical about insuring my pets. EmbracePetInsurance has been very helpful and patient with my calls and many times explained the items I could not understand. I had two shelties. One died unexpectedly . I received cards and letters from Embrace. I got a new puppy (shelty) named Lady Pinky and reinsured with Embrace. Now I have Lady and Tramp. If you love your animals, insure with Embrace and never miss a chance to see your Vet because of $ issues. Tanya Herbert, Florida

I have had various pet insurance companies over the years - some of the biggest names out there. From claims, to what's covered, to simply getting someone on the phone, all of them have had issues. Embrace is without a doubt the best pet insurance I have ever had. My story is a little long, but it's what I would want to know, so here goes. In July of 2013, I became a ‘foster failure’ to two kittens, brothers Wyatt + Gray. When I took them in for their final checkup at the rescue, they told me that Gray had a murmur and asked me if I still wanted to adopt him. I said, of course, but had no idea what that really entailed. I took him to my vet within the first week just to get a baseline. I figured it made sense to have her listen to the murmur so that in a year, when he went in for his annual, we would know if it had gotten any worse. At the same time, I called my most recent pet insurance company, ASPCA. They said that with a murmur, they would not cover him for any medical, only accidental. So I decided to have both boys covered for accidental only. The cost was around $25/month. A few months ago, I took my guys in for a check-up and asked how the murmur sounded. My vet told me that she had only heard it at the first visit and not once since. In her estimation, she said it was a 'Benign Kitten Murmur' and that he no longer had it. I wondered aloud if he would be eligible for insurance and she said she'd be more than willing to write a letter if need be. She also told me that she had heard great things about Embrace. I called ASPCA and they said that they'd review the file and her letter, but that it was highly unlikely that they would reverse their decision. Once a murmur, always a murmur. So I called Embrace. From the first call, they were wonderful. They said that I should apply and that after the 14-day waiting period, I would be able to ask for a complete medical review. Once they did that, I would see what would be excluded and what would be covered and if I didn't like it, then I could cancel within the first 30 days for my money back. I did as they said and it all went very smoothly. On March 19 of this year, they were both covered for both accidental and medical for $42/mo (very competitive pricing!) The great thing about the medical review was that it showed me if there were any temporary or permanent exclusions. Basically, after such-and-such date, then X would be covered. There were no permanent exclusions for my guys, just a fe

I took my dog to the vet because he had been sneezing and I was shocked to learn that he had nasal cancer. I was told without treatment, he would have 3 months to live. Or I could opt for the very expensive treatment and he would have a few more years. So far the vet bills have been over $13k, and there have been no hold ups or issues with the Embrace insurance at all. They even are covering acupuncture and herbal treatments. It's easier to use than my personal health insurance. I highly recommend Embrace.

I have had no complaints. Customer service, claim processing, and communication have been above and beyond my expectations. Even when there was an error on Embraces's part with a withdrawal,..I can't even call it a complaint. It was a mistake and it was handled efficiently and quickly and my money was immediately deposited. No problems here at all, I have urged several friends to contact embrace and they are as happy as I am.