Embrace | Pet Insurance Review

Four months after I adopted my sweet little black lab "Honey," she decided to eat a good portion of a rug in my home! As a result, she had emergency surgery; needless to say, I was very worried! The only thing that I did not have to worry about was how Embrace would work to process her claims and reimburse me as quickly as possible. From the moment I dealt with the Service Representative, Christine Wrona, I knew that processing Honey's claims would be easy! I received courteous, prompt response to every question and genuine concern for Honey. Well, the story ended well...Honey is fine but I keep a close eye on her. Like other Labs, she loves to eat but I did not think it applied to rugs!! I could not recommend Embrace strongly enough!!!

I have my 3 labs insured with Embrace, and unfortunately one of my labs had to have his tail amputated after a case of "happy tail" led to a terrible sore that would not heal after 5 weeks of bandages, antibiotics, etc... Lea and Carrie were absolutely awesome!!! My veterinarians were so impressed with the personal level of service I received from Embrace that they now have Embraces' information available for other pet owners in their lobby. I can't say enough about how happy I am with my choice of Embrace for my dogs insurance.

I would like to say we have been very impressed with the professionalism, caring and promptness of Embrace Pet Insurance. The experience has been much better than I ever expected. After our last dogs passed away we thought we would never have another dog again. But then our Sweet “Paw”Tater joined our family. Since he is an enthusiastic chocolate Labrador, and I wanted the joy of taking him out into the field as a fishing buddy, and the insistence of others to get pet insurance, we settled on Embrace. Having never purchased pet insurance and not really know what to expect, so I relied on customer reviews and the Embrace website to identify issues. So far we are very happy we choose Embrace. This last May we noticed Tater would limp after a day at the dog park. Tater was initially diagnosed with fragmented coronoid process of the ulna (a type of elbow dysplasia), but as it turned out there was an uneven growth of the ulna and the radius in both front legs which has caused pain in the elbows. A dynamic ulnar ostecotomy was performed on his left leg (the right will be performed once he can use the left again). It is actually better this was the problem, as he will have less of chance for arthritis in the future. All through the process Embraced approved the veterinarian’s cautious approach to possible treatments. While this required several steps it has saved on un-needed procedures, time recovering and ultimately will be the best for Tater. Tater says thank you Embrace.

I've only submitted two claims to Embrace so far, but each have been reviewed in well under two weeks (more like a couple days). The company e-mails me when they receive my claim, and then again with their decision. Their customer service is great when I need to call, and of course when they e-mail. They seem to know what they're doing, and actually care about your pets. It doesn't feel like they're trying to "cheat" you. It was made perfectly clear to me that any pre-existing problems documented in my pet's record would not be covered, and that was understandable. They cover any breed-specific conditions, which a lot of companies won't (Example - Cocker Spaniels are prone to ear infections). I love Embrace, and although I (fortunately) haven't had to make a large claim with them yet, I feel like I am getting my money's worth and am confident that should a large claim situation arise, Embrace will be there to help me.

I simply cannot say enough about this company! If only humans could have this level of customer service, care, premium cost and compensation! Our dog was abandoned and 'walked' into our life with no collar and underweight. We hadn't had a dog in 10 years and I had no idea of current costs. At the dog park there were several people talking about their experience with pet insurance companies,(I had never heard of it), so I researched AT LEAST 7 companies, compared rates but was sold when I called Embrace. I spoke to a 'live person' who answered questions I didn't even know I had until she started informing me of all they offered. Kodo (mixed Rotty & ?) developed an allergy that involved many visits to the vet within the first few months of coverage and they covered it so well. But the most surprising and most AMAZING fact is they are also covering Kodo's accupuncture treatments!!! He has a possible torn ACL and after researching all the pros & cons of surgery, I knew there had to be another way. I found a terrific new, ultra-forwarding thinking vet whose methods are working without surgery. I was concerned Embrace wouldn't cover the charges and was worried how to fit these treatments into our budget but that isn't a concern anymore!!! I am so confident in Kodo's coverage that a lot of stress has been alleviated. I wish Embrace would advertise more or at least send out promo material to every vet they receive a claim from. I talk about them everywhere there are animals and owners! We chose the premium coverage & it is still less than a tank of gas for my vehicle! You can't receive better insurance anywhere else.