Embrace | Pet Insurance Review

My entire experience with Embrace has been fanatstic. They stand head and shoulders over VPI. Contact response time has been fast and personal. Their detailed explanations have been clear and easy to understand as is the website where they have everything needed to make an informed decision.

What I have found most excellent about Embrace is not only do they cover what most other companies don't, you can customize your policy to be affordable. Anyone with a multiple dog household knows how expensive it can be to have multiple policies. By taking the largest deductible & co-pay, along with the highest yearly payout ($10,000), plus I took coverage for prescriptions and continuing care, I was able to get a policy for my Great Dane for under $250 a year! Anyone reading this with a big dog knows just how expensive medical care can be for the big dogs! Of course, your policy will vary depending on how you customize it. I did not want a policy that covered routine items. To me, that is just part of owning a dog and just drives up the cost of a policy. Just like a human, I needed coverage for those major illness or injuries that require major medical care. My Embrace policies give me piece of mind that I can afford to cover all my dogs for major medical emergencies. Plus, working with Lea at Embrace has just been awesome!

Embrace covered my pets entropion surgery when other companies would not. The only negative experience I had--was it took 15days to process my claim and I was expecting a quicker turn around time. Embrace did communicate to me that since it was my FIRST CLAIM it would take up to 15 days to process. I guess all good things come to those who wait. I highly recommend Embrace!!

Embrace Pet Insurance contacted us after a terrible experience with VPI. We just had to file a claim and it was all settled in less than a week. They are deeply committed to our dog's health and we recommend them to our friends without reservation.

I canceled coverage with them after only several months. None of the claims I submitted were paid. They used one of two excuses - either the condition was classified as pre-existing (an infection located in an entirely different part of the body from a previous one) or routine care (since when is accupuncture routine???).