Embrace | Pet Insurance Review

I've held policies with other pet insurance companies, andup until today, I was happy with Embrace. I adopted my dog, Sugar, last August, and I knew that she was almost blind. My veterinarian was concerned about possible SARDS, and so, I quickly had Sugar seen by an opthalmologist at Purdue University. They did NOT diagnose her with SARDS, but instead with PRA -- Progressive Retinol Atrophy. This is a irreversible disorder, but except for the blindness, Sugar should have no other symptoms and/or complications. So, I forgot about it. PRA is not serious, and Sugar has adapted well to her blindness. Then, last month, she had a corneal ulcer, which prompted Embrace to review her records. They saw that my veterinarian was concerned about SARDS last year, and immediately informed me in an email that SARDS was added as an exclusion to my policy. Of course, I am fighting them on this, since they didn't even bother checking to see if Sugar saw a specialist, because if they did, they would know that she doesn't have SARDS. Even still, I am angry. This is a demonstration that Embrace is just following the other pet insurance companies -- i.e. they are just looking for easy, convenient ways to exclude conditions. I am confident that I will win, but I am still very disappointed. Shame on you Embrace.

We adopted a black lab from labs4rescue last July. We have owned pets before but never had insurance. We did some research and chose a plan with Embrace. In November of 2008 she was diagnosed with luxating patella’s in both knees as well as hip dysplasia. We had one knee done at a time and were trying to hold off on doing anything with the hips as a total hip replacement was a major surgery. Unfortunately we had to replace her left hip two weeks ago. Through the course of the surgeries and etc. Embrace was outstanding with their customer service. They were extremely responsive and covered everything based on the policy selections we chose. They follow-up and stand behind their policy. I would HIGHLY recommend this company to anyone who owns a pet. It is rare these days to find a company that believes in customer service and stands behind their product. We are truly grateful for their coverage and commitment to the customer.

Thankfully I have yet to use our insurance coverage for anything major, but each and every single time I have dealt with Embrace, I get an immediate and positive response. I am not the only customer who feels this way. I chose Embrace after I read the positive remarks made by a number of Embrace customers on more than one Golden Retriever Forum. Apparently, many Newf owners are just as happy. I'd also like to take the time to explain why I chose to insure my two. If one day my two are faced with cancer I do not want to make treatment decisions based on finances alone. Embrace allows me Peace of Mind. I'd also like to send out a big Thank you to Embrace for supporting Meggie's cause.

Not having owned dogs for almost 15 years, pet insurance was a new concept for me. After doing extensive research I chose Embrace because they offer congenital coverage and also take regional expenses into account. Since I live in the "expensive" NE this applies to vet bills here. I was curious to see my first claim with their wellness program as I just went through the vaccination series for my cane corso pup, along with the usual digestive/intestinal upsets that seem to go along with new pups. They promptly re-imbursed me the full amount allowed for the year. All they required were detailed vet bills with a written report from the vet office. I am most pleased and intend to spread the word that they are one of the better (if not the best) insurance companies available. Highly pleased with all aspects of my dealings with this company.

I insured my two cats with Embrace for a year. The insurance appealed to me because Embrace touted how they would cover ongoing conditions beyond the first policy year and not consider them pre-existing conditions at renewal time. However, a close reading of the fine print revealed that coverage for ongoing conditions would be considerably reduced after the initial policy year, a stipulation I had to really dig for in order to find it out. Worse yet, when the first year's coverage approached its end and renewal time came up, Embrace jacked up the premiums by more than 40%. The initial premium was very competitive, but the second year's premium was outrageous. I felt that such a huge premuim ncrease for the second year almost amounted to a bait and switch tactic. Needless to say I didn't renew!