Embrace | Pet Insurance Review

Having Embrace insurance for my Oliver is comforting to me. The company treats you fairly, processes vet bills quickly, and ensures that you are completely satisfied with any outcome.

I have never had pet insurance before, but I am so glad that I have it for Fiddle. Fiddle has turned out to be a very high maintenance. At about a year old she started having seizures. At 16 months we found out she had ectopic cilia. Both of these conditions have been expensive. Each and every claim that I have filed with Embrace (and there have been many)have been handled in a quick and efficient manner. Every claim has been paid exactly as the policy described without any quibbling. I have never had a claim challenged or questioned. I truly have peace of mind thanks to Embrace.

As a Bulldog breeder I practice what I preach by insuring all seven of my dogs with Embrace while recommending it to anyone who buys a puppy from me. I've had Embrace for over five years now and they are simply the BEST!! The customer service is amazing, the coverage is superior, and I normally get reimbursed via a check deposited into my account within 7-10 days of submitting a claim.

I have a six year old dachshund who has been insured by Embrace since he was a puppy. He was a very healthy little guy, with zero insurance claims for the first four years of his life. So healthy, in fact, that I briefly cancelled his Embrace insurance policy because I thought it was unnecessary. A month after cancelling, my cautious side told me to reinsure him and it was the best decision I've ever made. Ten months after reinsuring him, Brody became paralyzed, diagnosed with IVDD. Two surgeries and a week long hospital stay later, his bill was close to $9,000. Embrace came through 100% and covered his surgery/stay to the full 90% called for under his plan. Brody was up and running again in no time! Unfortunately, Brody had a reoccurrence of IVDD 14 months after the first and again required surgery and a hospital stay ($7,000). That, and a few other mishaps the same year (snake bite, infection), brought his 2013 vet bills to almost $9,000 again. But, Embrace had us covered, and again provided a prompt refund of 90% of his vet costs. Pet insurance isn't cheap. But wow, it's a whole lot cheaper than $18,000 over two years in vet bills. No cost would be too much to spend on my little man, but Embrace has enabled me to give him the best care possible without breaking the bank.

I like the model of the coverage here - basically the premiums are reasonably low and the coverage only kicks in if your bills go above a certain amount. This works well. Everyone I've dealt with, by phone or email, has been really pleasant and helpful. The paperwork to file a claim is a lot more onerous than VPI, which is where my elderly cat is insured (couldn't move him over to Embrace, he was too old to start over). For VPI, you just copy the bill and write a short explanation on their form. For Embrace, I had to get my vet to do it and then they even went back to my vet's for more info. It was a real nuisance for my vet and required a full couple of hours of staff time. Fortunately I'm a really good client so they were willing. But it was a pain, no question. So, based on the reimbursement model and the customer service, I'd recommend Embrace to other people who have basically healthy animals and a good relationship with their vet that can withstand these P-I-T-A requests for information.