Embrace | Pet Insurance Review

I have been with Embrace for a year and a half and so far have been pleased.

We have now been EMBRACE customers for about 180 days--and I must say I find them to have misrepresented the quality of their service and to have little or no regard for their clients or their client's pets--but only in their profits.We started as monthly auto bill specifically to see how they would do--in my view they fail in their claims handling processes--where they threatened not to honor our legitimate claim if the VETS OFFICE--over who we have no control--did not give them a special history within a very short period of 10 days. I find that approach to be EXACTLY THE OPPOSITE of the type of service they have represented--and so we will be discontinuing our coverage and instead putting the monthly amount into a savings account for our pet--where I can make the decisions whether her treatments are justified--not some petty bureaucrat at this lying firm.

We returned home from a short grocery trip to find grape stems all over our kitchen floor. Jackson, our 90lb Boxer, had made his way into the trashcan and devoured about 1lb of old red grapes we had just thrown out. He was not yet showing any signs of intoxication but we knew they could be lethal from a quick google search, and call to our vet. Of course it was 8PM on Sunday evening, so off to the emergency vet we went. We were required to leave Jackson overnight while he stayed on IV fluids to flush his system - this also required a cardiologist exam and echo to re-check that his heart could handle the fluid intake (prior heart murmur present). We knew this wouldn't be a cheap visit (the echo itself is $500!), but we had peace of mind knowing we wouldn't have to base any medical decisions on our fear of the bill thanks to our Embrace plan. After induction of vomiting, activated charcoal, and 24 hours on continuous IV fluids, we were released to our regular vet for monitoring. Jackson's kidneys proved normal over the course of the next week, and he has fully recovered. Our claim with Embrace was processed very quickly, especially for the amount of the bills submitted. We have been Embrace members since Jackson was a pup, and feel it's one of the best investments we can make.

Our 4 year old golden retriever was diagnosed w/ patella luxation requiring surgery to stabilize. The whole claim process was simple. Embrace answered all my questions via email in a very timely manner. The claim process was fast too. I received a check in about 20 days. They even followed up to make sure everything was okay. I was skeptical at first but not anymore. I can now say i am very impressed w/ Embrace

So glad we paid the extra $12 per month for Wellness. All her shots are free and in the long run, your pet stands a chance of being more healthy. Easy to file, no questions asked.