Embrace | Pet Insurance Review

Working with Embrace has been one of the most pleasant experiences I've had with any business. Our bulldog developed a severe limp when he was only 11 months old and after consulting with a couple of orthopedic specialists, came to the conclusion that he would need to undergo surgery to repair a patellar luxation (make sure you get a second opinion...the first surgeon wanted to do some exotic TPLO surgery to fix a cruciate that turned out to be perfectly intact). After surgery (which went very well) we submitted our claim for the initial X-ray with our regular vet, the consult with the surgeon we went with, and for the surgery itself. The claim took a little while (~2 months) to process, but that was entirely due to the delay in getting detailed records from the different providers. Embrace kept me in the loop the entire step of the way about what additional items they still needed and how I could help in getting them, and ultimately the claim was accepted - very fair and transparent. Can't say enough about how customer-oriented and caring they are. While I hope not to have to submit another claim for our boy, it makes it much easier knowing that we have a policy with such a great company.

When my 15 month old was diagnosed with luxating patella, I was shocked. When I had the consultation and got the bill I was devistated. The doctor told me my insurance would more than likely not cover it. I did my footwork anyway, and Embrace kept me posted almost daily on what they needed from me, and what would be left to do. It brought me to tears when my puppy's surgery was authorized. I am eternally grateful for the financial load they lifted off my shoulders. That left me with the ability to focus on my pet. They even asked for pictures so they could see my puppies! I really felt like they cared about my puppy, and when surgery was done, I got an email with well wishes. They are top notch, and amazing.

We are very pleased with Embrace. Previously we has VPI pet insurance. When we made a claim with VPI the amount we received was much less than we had expected. In the last month we made two claims one for Enteritis and one for a Urinary Tract infection. The Enteritis claims was processed right away and we were very pleased with the amount we received. The second claim is being reviewed at this time. When we had VPI if a claim was denied that was it they would not take a second look at it. Embrace is willing to work with the pet parent. Embrace is an excellant company for any pet parent.

I've held policies with other pet insurance companies, andup until today, I was happy with Embrace. I adopted my dog, Sugar, last August, and I knew that she was almost blind. My veterinarian was concerned about possible SARDS, and so, I quickly had Sugar seen by an opthalmologist at Purdue University. They did NOT diagnose her with SARDS, but instead with PRA -- Progressive Retinol Atrophy. This is a irreversible disorder, but except for the blindness, Sugar should have no other symptoms and/or complications. So, I forgot about it. PRA is not serious, and Sugar has adapted well to her blindness. Then, last month, she had a corneal ulcer, which prompted Embrace to review her records. They saw that my veterinarian was concerned about SARDS last year, and immediately informed me in an email that SARDS was added as an exclusion to my policy. Of course, I am fighting them on this, since they didn't even bother checking to see if Sugar saw a specialist, because if they did, they would know that she doesn't have SARDS. Even still, I am angry. This is a demonstration that Embrace is just following the other pet insurance companies -- i.e. they are just looking for easy, convenient ways to exclude conditions. I am confident that I will win, but I am still very disappointed. Shame on you Embrace.

We adopted a black lab from labs4rescue last July. We have owned pets before but never had insurance. We did some research and chose a plan with Embrace. In November of 2008 she was diagnosed with luxating patella’s in both knees as well as hip dysplasia. We had one knee done at a time and were trying to hold off on doing anything with the hips as a total hip replacement was a major surgery. Unfortunately we had to replace her left hip two weeks ago. Through the course of the surgeries and etc. Embrace was outstanding with their customer service. They were extremely responsive and covered everything based on the policy selections we chose. They follow-up and stand behind their policy. I would HIGHLY recommend this company to anyone who owns a pet. It is rare these days to find a company that believes in customer service and stands behind their product. We are truly grateful for their coverage and commitment to the customer.