Embrace | Pet Insurance Review

The most important criterion for vet insurance for me was that I be able to depend on the company paying what the contract said they would in case of disaster, because what's the point of insurance if you can't depend on it? I finally picked Embrace because (unlike most other companies) the reviews almost uniformly testified to their honoring the contracts they made: and it turned out to be a sound decision. For my eight year old cat I customized my policy to cover catastrophic expenses rather than routine annual preventative care, with a high deductible ($500) and 10% copay, and the highest annual limit ($10,000), with the very important "continuing care" rider (which prevents an illness which the company has paid out for from being considered a "pre-existing condition" in a subsequent policy year), no dental or prescription drug coverage. The monthly premium was about $30. After two years my cat had a brief upper respiratory infection, and then four days later suddenly became very ill with what turned out to be pancreatic cancer, for which there is sadly no treatment other than comfort care. Neither my vet nor the specialty vet hospital where he was referred for a sonogram and inpatient stabilization had dealt with Embrace before, but they submitted my claim forms and the invoices for the three visits. Three weeks later Embrace informed me that, after the annual deductible ($500), 10% copay ($232), and non-covered charges for prescription medicine dispensed by the vet

My dog, Eddie, has been under Embrace coverage for over a year. Making a claim is very easy and I receive my reimbursements for wellness visits within a week. I love Embrace so much, I just added my new five year old rescue, Roscoe. His first claim was just processed and I know the check will be here soon. I tell all of my doggie friends about Embrace and how easy they are to work with and quite affordable.

I researched all the different pet insurance companies before settling on Embrace and I am very happy with my choice. I have had nothing but great customer service when I call and the benefits are great. I believe they are still the only company that covers breed specific genetic issues and the wellness program is wonderful. I also really appreciate that I can go to any licensed vet since I travel with my dog frequently and may someday need to visit a vet while on the road. Also, there is no hidden small print. What you sign up for is what you get and there's no guesswork when it comes time to submitting a claim because the forms are super easy and you can fax it in which is both immediate and cost saving. The discounts for microchipped pets and for paying for the full year in advance are also very helpful. All in all, my dog Whiskey and I are very happy with his insurance and I would not only recommend Embrace to all pet owners, I would easily get it again for my dog and any pets I own in the future.

Every claim I sent was processed quickly. Most importantly, a pre-certification clain was processed quickly so that I could schedule surgery for elbow dysplasia. Truthfully, I would prefer that I never needed to make a claim--it means I have a healthy dog! But unfortunately, things do happen, and there is more and more out there to help our pups.

I just purchased my policy about 2 months ago. I researched a number of companies and chose Embrace because they seem to have better coverage for a number of common conditions. I also purchased the wellness plan and am glad that I did. I have already used the full $200, but I knew I would have plenty expenses during my puppy's first year of life. The claim was processed promptly, and I have had excellent communication via email. So far, so good.