Embrace | Pet Insurance Review

Our dog was diagnosed with Addison's disease last year and without Embrace we would be swimming in a sea of bills. Not only is our dog healthy and happy, we have less worries about all the visits to the vet to keep him healthy. The best decision we ever made was to get insurance from Embrace for him.

I was glad we had Embrace when our dog Terra started to experience strange symptoms. It was late and we were about to go to bed, but we decided to take her to the Emergency Vet instead. Terra had developed pyometra and needed emergency surgery ASAP! If we had gone to sleep she probably wouldn't be with us today. She almost died in surgery when her infected uterus burst and another doctor who decided to stay and help came out to tell us it wasn't looking good. Luckily, she was a fighter and she pulled through and began healing surprisingly well. I couldn't help thinking while she was in surgery "I sure hope Embrace comes through for us" It was definitely NOT CHEAP! Terra's ordeal cost us 4,400 bucks and although we would have paid anything to get her better, we were not in a position to spend that type of money. Everyone thought we were crazy! Thanks to Embrace, we were reimbursed $3,009 after our deductable and copay, which sure was a relief. Embrace was great! I always knew what was going on with my claim every step of the way. An agent always emailed me with updates, when the claim was done, when the check was going out and even to make sure we received our check. We had our check before Terra was even fully recovered. I was VERY impressed with their customer service! Even got an e-mail just to see how Terra was doing weeks later, which was nice. I hope to never file another claim like that again, but I'm sure glad we had Embrace!

Embrace has been very responsive and proactively contacts me when necessary. The reps are friendly and attentive. I love their newsletter and its been very informative concerning common conditions and pet food recalls among other things.

I don't have anything to compare them to, but my experience with them is mixed. We bought a 3000 bulldog puppy (11 weeks old), and I want to protect my investment so I started looking for insurance. I took her to the Vet the day after we got her from the breeder. Told him I wanted her checked out... so he starts in with normal veterinarian insticts (let me find any possible things wrong so I can make as much money off this sucker who has that kind of money to pay for a dog). The puppy was diagonsed tailfold dermatitis because the breeder left it with a neighbor to watch since I wanted to wait for xmas to pick up puppy and he was going out of town. The neighbor didn't watch puppy to well so it had skin infection from sitting in feces and not being cleaned afterwards. During the vets exam he quickly pokes and prods at the dog and wiggles her kneecap and says something about watching her knees might have a problem at some point with her knees. I didn't think much about that cause heck at some point we are ALL going to have problems with our knees. I pay the 175.00 vet bill and my dog's skin infection heals fine. I start researching insurance companies and I pick trupanion. I signup they check her records and tell me that they will not cover ANY skin issues at all in the future. So I tell them never mind that is ridiculas. Then I call Embrace, they say as long as she doesn't have anymore tailfold dermatitis issues for 12 months long term skin issues would be cover

Once a good provider -- Not anymore. Any review I may have written endorsing them is now take back. When I appeal the claim they do not even evaluate the proper leg (in writing) and completely ignore my doctors note on the bone spurs on top of hip dysplasia (covered by the policy). My little fella was covered from day one and now they are denying claims. I will submit to my state for Appeal. I ask how can the Chief Underwriter on behalf of RLI Corporation assess the wrong hips and put that in writing as her basis. YOU DECIDE -- do you want to take this chance with Embrace?