Embrace | Pet Insurance Review

Our ten month old puppy slipped out the door, ran into traffic and was run over by an SUV. We got her to the emergency vet immediately and we were told the initial expenses would be around $8500. Since we had Embrace insurance, we asked them to try and save her. We pay $60 a month for an 80% reimbursement rate. $10,000 in vet care costs, one fixed puppy, and five weeks later, we have been reimbursed 80% of the bills as promised, minus the $200 deductible. The forms are extremely easy to understand and fill out, and the fact that they pay a set percentage of the bill instead of reviewing all the expenses to see what is allowed and disallowed has been a tremendous relief to us. As soon as we submitted the paperwork (just one simple form and a copy of a paid invoice from the vet) they kept in touch with us about the progress of the claim. The paperwork that we got informing us of our reimbursement was, again, very easy to understand. Thank you Embrace for coming through and enabling us to save our dog.I highly recommend them to anyone with a pet. You never know what will happen, and even if we pay $60 a month for the rest of our dog's life, it will still come out to less than what we have already been reimbursed.

Having Embrace has definitely been beneficial for us and our bulldog. The 4 claims we've submitted for accident/illness, Embrace has communicated with us and kept us updated on the progress. We've received reimbursement for all! The time it has taken for our claims to process has been long at times but overall we're very happy!

Wish my insurance was as good as my dogs !! Claims are processed almost immediately - no questions asked. The people that handle the claims are genuine in asking if our little guys are ok. So easy to process the claim and our vet loves it to !! I have recommended Embrace to everyone that I know that has a pet - with the high cost of veternary care it's a peace of mind for our family. Thanks to the Embrace staff !!

After my heart dog Daisy was diagnosed with lymphoma in February 2013 we decided to insure our 2 border collies Bolt and Dash. I did a lot of research and settled with Embrace. Unfortunately we lost Daisy after just 2 months of trying to fight the lymphoma with chemo as she has a very aggressive form and we are just heartbroken. Naturally we are worried about our other dogs. Bolt was due for his well visit and I took him in the week after Daisy died. We ran a complete wellness exam on him as well as complete baseline bloodwork which shows he is a perfectly healthy 3 year old border collie. I just got the email today from the Embrace claims department that I will be reimbursed 100% for that visit. This puts my mind at ease to know that someone else cares about the health of my dogs. I still have one more dog to insure and plan to be adding her to the plan soon.

My dog had a broken toenail which happened while I was away. I submitted my claim march 30,2013 for a 17.00 fee from the vet to remove the dangling toenail. It was a simple injury claim. It took until may 13,2013 for embrace to say it was covered. Seemed a little long to me.