Embrace | Pet Insurance Review

It has been an incredible experience to deal with Embrace over the last few months. Our 15 month old Golden Retriever was diagnosed with bilateral elbow displasha that required surgery. Both our vet and orthopedic specialist were doubtful about the condition be covered through insurance as it is commonly viewed as genetic. We got the treatment pre-certified and after paying our $200 deductible and 10% copay Embrace has covered the rest. In our first year with them they have reimbursed us for close to $4000 in vet bills. They have always been professional and friendly on the phone and the email communication is superb (emails to keep us updated on the claims process and emails after approval to confirm that we received our reimbursement). I recommend Embrace to everyone I know and come across with a dog. If only my medical insurance was this easy and straight forward!

What a year we have had. First my then 11 month old Lab (Kaiya) required surgery on her leg. Now just 7 months later my 4 year old Lab (Kiara) required shoulder surgery. I submitted my pre-cert claim for Kaiya and received a very fast response approving the surgery. What a huge relief that was. Then as the surgery bill and then subsequent therapy bills started to roll in, I began to worry. I heard so many horror stories of other insurance companies threatening to drop someone for overusing their insurance! But no worries with Embrace - with each claim submitted they approved it and not only did they approve but even inquired on how Kaiya was doing and sending their best wishes! You don't get that often. Happily Kaiya has fully recovered and Thanks to Embrace for making it easy. Then I find out Kiara needs surgery. Again the slight worry that maybe now I would be told I am over-using my policy - but once again Embrace came through with a speedy approval for surgery. While at the vet's I ran into an individual whose dog was having the exact same surgery only his insurance story was not as good as mine. His insurance company wanted to deny payment and he had to go through a long appeal process in which he was still waiting for the final outcome. There is no way I could have afforded to pay for two surgeries within a year. Embrace afforded me the opportunity to seek and receive treatment for my girls. Kiara is well on her way to recovery thanks to Embrace. Their customer service is outstanding, they have a quick response time and always take the time to answer my many questions. Their dedication and true concern for the welfare of my 3 labs is incredible. They truly represent the best of the pet insurance industry and I highly recommend them to anyone who is looking for pet insurance. I don't know what I would have done without Embrace!

I have worked for a vet for almost 10 years, so I never needed insurance for any of my pets. I will be leaving him to relocate this year. So, not knowing where the closest vet would be and where I would be working, we decided to get pet insurance. I called and spoke to 6 different companies. Most of them had extended hours and I was able to call after work. Embrace was the only company that I found hard to get a hold of and almost just excluded it as an option. After looking at the other companies that I had chosen, I narrowed it down to 24PetWatch’s insurance. However, after calling them back, I decided against it as they told me that if my puppy had a ongoing issue, they wouldn’t cover it past that policy period unless it was deemed cured and remained cured for 180 days. I was sitting at home debating with my fiancé with what we should do… nothing seemed to appeal to us. That’s when we decided to give Embrace a call. The customer service was UNREAL!! I called 8 or 9 times within 2 days to ask silly questions, and not once did anyone get aggravated or annoyed with me. In fact, they encouraged me to call with any questions I may have. When I call in now, they know me and immediately want to know if my puppy is ok. As far as I understand, Embrace is a GREAT company, as long as you get the insurance before ANY problems arise. I’ve heard that if something happened before insurance, and something similar happens after the insurance, no coverage. For instance, diarrhea is a common issue of puppies in a new household… due to environment changes, food changes, even intestinal worms. If that puppy has diarrhea 6 months later, he isn’t covered because it’s a “pre-existing”… even though the reason for the diarrhea is completely different. So, if you are looking at insurance for a puppy that has had NO problems, this is a GREAT program! However, if you want to get it for a dog that has had ANY problems, I would recommend you do a Medical History Review with them! They will get the past 2 years history on your pet, and then let you know what they will not cover. The problem with this is that you have to be insured before they do this for you… but you have a 30 day money back guarantee if the plan will not cover what you want it to cover.My puppy has the wellness coverage, and luckily, that’s all I’ve had to use so far (for neutering and microchipping, and a couple vaccines). Since I work for a vet, that $200 takes me pretty far. =) Pet Insurance is all about preference… what you want it to cover, what is “pre-existing”, how much you are willing to pay, and where you live.

I'd like to commend Embrace pet Insurance on the wonderful service they provide to those of us who love our pets and consider them family members. We have historically spent tons of money on our pets and decided to insure our latest puppy, Ollie, who is now 3. What a smart decision. He needed TTA surgery and is now recuperating from the ordeal. Since this was a scheduled procedure we had the surgery pre-certified which was a breeze and made the process afterwards flawless. Not only was it financially wonderful, but the compassion and tips from everyone at Embrace made us feel like they were holding our hands throughout the entire process. I can't speak highly enough of the entire Embrace team. Thank you from Ollie and his "parents!"

I have had other insurances for my pets and for the value and coverage it's amazing. Just like a person there's a deductible but after that everything is pretty much covered. I am very happy with the coverage and always amazed at how quickly you get reimbursed.