Embrace | Pet Insurance Review

My family just went through every dog lover's worst nightmare, and Embrace was there for us. Our beloved 22-month old Labrador, Siska, got sick out of the blue and within a few days had to be euthanized because of liver failure. We ultimately learned it was cancer (lymphoma); there were no prior warning signs. We were shocked and devastated. And the vet bills, triggered by our regular vet and emergency specialists frantically trying to save Siska from what at the time was an unknown cause, were astronomical. Embrace was there for us at every step, both in terms of sympathy and financial coverage. We received kind, thoughtful e-mails and handwritten cards in the mail from multiple Embrace personnel. The multiple claims were processed promptly, and checks for 80% of the total cost (thousands of dollars) minus the deductible, sent just as promptly. Embrace also immediately cancelled our future insurance coverage and reimbursed us the pro rata portion of the annual premium that we no longer needed. There were no hassles or delays. We received the coverage we were promised. And Embrace handled the entire situation with a sense of grace and responsibility that was all we could have asked for in our emotionally fragile state. My family, unfortunately, is living proof that unexpected health disasters can strike even young dogs. If you love your dog and want protection against the astronomical bills that will result if disaster strikes, don't roll the dice. Get pet insur

Embrace, though expensive, has handled three claims I have had with ease and expediently. Their website is also very easy to navigate. All in all, a good experience.

I have had my pup since he was 9-10 weeks old. He is currently 10.5 months old going on 11 months soon. He had a case of puppy papilloma. Essentially puppy pimples that dogs usually get when they play with other dogs and is normal in a growing well socialized dog once in his early lifetime as he or she will build an immunity to it afterwards is what I have learned. My vet said it should go away on its own naturally or I could use meds to help it along, which I did. Took less than a month to receive money back. Embrace is good because they cover vet bill directly instead of comparing your vet's region for average going price for services you get. They also send me money back for wellness coverage really quick within a week. But the 2 times he has had illness claims they have taken long. the first time was November 7, 2013 and we didn't receive money back until December 8, 2013. So you will get the money just be prepared for a month later. Speed of refund is very important to me so I may look elsewhere in the near future while my dog is still young.

First I must say I researched several pet insurance companies prior to selecting Embrace. I am very happy that I went with them. Our dog had an intesintal blockage that required that he have 4 feet of his intestines removed since it was tied up and damaged. After several visits to the PetER, a major surgery and a visit to a specialty surgeon the bills came rolling in. Embrace delivered on their promise remibursing us for the claim. It was straight forward and they paid 90% of every invoice that was submitted. Embrace saved the day!

We've used Embrace for 3 years and have had an excellent experience. The company is responsive and caring and claims have been reimbursed in a timely manner. I would not have a pet without having Embrace insurance.