Embrace | Pet Insurance Review

I can't tell you how grateful I am to have Embrace Pet Insurance. My 18 month old golden has had to have P.T. and Embrace was with me all the way. I can sleep at night because I have Embrace!

I was warned that white dogs, particularly white boxers could be medical nightmares, particularly throughout puppyhood. Well, Shane is 17 days away from turning 1 and he's had: coccidia, giardia, a rash, and ear infection, an eye infection, enteritis, an abscess on his foot, preputial discharge and 2 weeks ago he decided he wasn't strong enough to do anything but lay down. This lasted 4 days with minor, gradual improvements from day to day but it scared the daylights out of me and he ended up getting 2 rounds of blood work done. The first labs came back very poor and I was sent to Animal Medical Center for a more thorough checkup. Well, by the time we got to AMC Shane was asymptomatic but they ran the 2nd round of blood tests and they were a little better, but still inconclusive. What was conclusive was that he has a heart murmur that I should get a baseline test for and watch as he ages. (Not uncommon in boxers.) All this being said, I'm not sure what I'd do without Embrace. There are a couple things I looked for when comparing the various insurance companies: 1. Exam fee is covered and 2. NOT a per incident deductible. That disqualified 98% of the other companies. I was left with 2 and Embrace had a higher cap on hip dysplasia (which boxers are prone to), so Embrace won .. not to mention Christopher's incredible customer service and knowledge about not just Embrace's policies, but their competitor's policies. In the coming years I am positive Embrace will make money off of

Embrace pet insurance is very quick to respond to claims, and they have great customer service. However, like all insurance, there is a never-ending list of "pre-existing conditions" and non-covered conditions. I understand that this is how all insurance works, but I sometimes wonder why I am spending about $1000 per year before any benefits begin to kick in ($35/month + $500 deductible). If anything catastrophic were to happen, I am sure Embrace will come in handy, but in the meantime, I wish there were more affordable pet insurance plans.

After reviewing many policies and talking with reps from different companies, I firmly decided on Embrace pet insurance for my dogs and cat. I am so glad I did as it probably was not more than 2 weeks later that I had a very frightening experience with one of my dogs ingesting an unknown substance. One trip to the Emergency Vet Hospital and going over possible costs of treatment, I had so much less financial anxiety because I knew that I had the experience of Embrace with their super friendly and helpful people behind me and I did not have to go it alone. You never know what can happen in a day and thanks to Embrace, my worry level has not vanished but has been greatly tempered. I have used one other insurance company in the past and it was horrible with nothing ever being covered. Embrace keeps you informed and turn-around times are very prompt. In this day and age this is RARE and they have been wonderful. I have told all of my friends as well as the Vet that I take my pets to that this company is very very good.

I have not been sorry one time since purchasing Embrace Insurance for, first, my dog Luce, and a year later (last month), my dog Conan. I lost 3 dogs on 3 months whose life may have been prolonged had I had insurance. So when I rescued Luce I made the decision to purchase pet Insurance. Only a few months after rescuing Luce she developed coronary and kidney problem's. These symptoms were noted before her first birthday. After all test my vet could perform were performed she was sent to Cornell Animal hospital. The best veterinary Hosp. in the country. She later developed joint problems, this occurred before she was a year and a half old. Embrace has been wonderful. I always get to speak with a person, and no claim has been denied. I recently purchased it for my year old Aussie named Conan. He has been of perfect health, thank God, but if he does get ill I have confidence Embrace will come through. I started with just the wellness plan, but have since added prescriptions. I purchased their heartworm and flea and tick medicine last month and the $ has already been refunded. Honestly, I had never purchased pet insurance and didn't know anyone who had it so I did some research, chose Embrace, and held my breath. I'm so happy I did. Great price's, great service. For under 100.00 both my dogs receive full coverage. Just another way of being a responsible pet owner.