Embrace | Pet Insurance Review

We bought a Great Dane puppy (because we're apparently nuts) and had done extensive research on the breed beforehand. One of the things that kept popping up was the significant health problems they can have. We had heard about pet health insurance but had never looked into it. I'm a huge comparison shopper so I went back and forth among the leading pet health insurance providers' web sites comparing, getting quotes, etc. and finally decided to go with Embrace even though they were relatively new. In the first two months of owning our Great Dane he had a severe case of roundworms, a bladder infection and gastroenteritis. We submitted all the bills ($511.82) within a short time period and waited to see what we'd get back. In reviewing the Explanation of Benefits, they covered almost everything and rightly did not cover a few minor items. After deducting our 20% copay (which we selected at signup) we received in relatively short order almost $200 back even after the $200 annual deductible (which of course we hadn't paid yet given we just got the dog). I am very pleased with the coverage and the cost (only $48 per month). Our experience has me sold on pet health insurance generally and on Embrace specifically. They are very communicative via email (I haven't tried to call). I recommend them.

We really did not shop around for pet insurance. Our breeder highly recommended this company and she's been in the breeding business for over 20 years. That was good enough for us. We've been very impressed with how easy the process has been and the customer service has been excellent! I wish my own medical insurance was this easy. The money we spent is well worth the peace of mind.

My experience with Embrace Pet Insurance has been wonderful. I didn't have any problems whatsoever with claims that I filed for my dog Jake. They were immediate in their response to me on the status of the claims and I recieved a check must quicker than I expected. I would highly recommend this pet insurance company.

I am new to Embrace, I do wish I had purchased pet insurance when my dog was a puppy before so many of her things are considered pre-existing, however on the plus side her chewing and swallowing some of the remote went towards my deductible. She is close to being a year and a half and the joy of my life. It is nice having insurance to help out if she decides to taste and sample other non digestible items around the house. The staff have always been polite and timely in response, however it appears sometimes it takes a while to hear about the claim.But when questioned they respond in a timely fashion and are always nice. ONE thing I really love and am thankful for is their newsletters!!! They sent out a newsletter regarding pet food contamination and the food I had purchased was on the recall list, a newly purchased bag. I had not nor would I have found this out on my own as I do not spend time surfing the net so receiving this information was a blessing!! I find the newsletters informative and helpful.

I wish my own health insurance was as friendly and helpful as embrace. So far I have had very quick responses from well informed people. I had to do some very expensive oral surgery on my dog and my policy took the sting out of the final bill.