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Heard good things about Embrace, but I finally experienced it for myself. I just submitted my claims and I was surprised how quickly and efficiently everything went. Thank you!

Answered my questions quickly and accurately while I was in an emergency situation with my pet. Compassionate towards my current experience at that moment.

I have had other pet insurance in the past and was always disappointed in the return on investment and quality of service. We have had Embrace Insurance for the past 3 plus years and find it to be an excellent company. What is very important to me is the way that the Embrace Staff treats me when I call with a question. Everyone is very polite and knowledgeable. The company also sends important information via emails and always sends good thoughts to our two dogs. Most of the time the response and payments for submitted bills is very timely. Overall, I am very happy we found Embrace.

So far I am very satisfied with Embrace

We pay high premiums to ensure coverage at 80% co-pay for $5000 per condition, per year from the time our pup was approximately 8 weeks old. She is now 6 1/2 years old. When our dog was 5 1/2 years old, we received notice that they were reducing their co-pay from 80% down to 60%. At no time had we had come anywhere near our maximum coverage (in 5 1/2 years, receipts submitted were just over $5000. Their explanation is they review a 24 month period and determine a level of risk for our dog. They state the reduction is only temporary and in 6 months they will do another review. 6 months later they reduced their co-pay down from 60% to 50%. 6 months later, it remains at 50%. In their ongoing review they use 18 of the same 24 month period, so they will continue to penalize you if you have one large bill or multiple smaller bills even if you are nowhere near your maximum allowable, for an extended period of time. This 'penalty' will continue if you continue to use the insurance.. Their logic, they do not want to charge you higher premiums. In fact, you will pay significantly more money because they provide less coverage (from 80% co-pay down to 50%). As your dog gets older your deductible also goes up. Most years our premiums have increased. (The time it takes them to process claims has also increased). They will then state they continue to cover your dog at the same level and the reduction is only temporary...our dog was diagnosed with a heart condition (stable and has never required treatment) and MAST cell tumour (cancer). She had an anaphylactic reaction to a wasp sting. Her past cancer diagnosis requires we test any lumps. To keep her healthy and reduce risk, we remove lumps when small under local anesthesia. We also have to have an emergency kit available to resuscitate her if she gets stung. They will not cover this emergency kit citing it it our 'choice' to have it. Our dog will die if she does not receive immediate treatment, how is that a 'choice'? The reality is with the reduction in coverage, if we were to submit receipts for $1000, with the higher deductible of $300 they may pay $350, Whereas prior to the changes to this policy, they would have paid $560; $210 increase in what we pay..Essentially, the more receipts you submit, the bigger the penalty that is applied and the longer the penalty will remain in place. This review is based on our personal experience.

I am beyond over this insurance. My cat had a UTI before I got Healthy Paws for both my cats, so of course they wouldn't cover that visit. But then he got another UTI 7 months later and they said it was a precondition, so anything that is UTI based now they will not cover. I'm mad due to the fact that a precondition is something they are diagnosed with but my cat wasn't diagnosed with a disease. If there is anything wrong with your pet before going into the insurance, it's a waste of money.

This policy saved my dog. Twice now.

This company has been a God send! Not only did they take care of all the claims expenses promptly but they call and ask about my pets and their health afterwards. I am very happy I went with such a caring company.

I have recently used this insurance for my boxer after she ingested rat poison. The claim was handled very expediently as well as a great follow up call from ASPCA to check on my dog. I would recommend this insurance to any pet owner.

Our regular vet recommended that we have an MRI and spinal tap done to help identify the cause of cluster seizures in our 6 year old beagle mix. I submitted the estimated costs to Embrace and had confirmation of coverage in less than 24 hours. Fantastic response turnaround - we can now move forward without any delays.