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As new dog owners and first time pet insurance purchasers we approached this with a bit of skepticism, despite a positive recommendation from our neighbor. So far Embrace has been great to work with and paid all claims as expected. That's exactly what we wanted from an insurance company. Thanks.

Overall, Embrace was timely with their explanation of benefits and covered most of my wellness and illness claims. My rescued dog was very sick the first year that we had him and most of his bills were covered. My one complaint was that when we got him from the rescue agency which pulled him from a high kill shelter, he had skin, ear, eye, and gastrointestinal conditions which subsequent bouts of the same illness were not covered for 12 months.

My dog Zoe is 14 months & she had two UTI back to back. I submitted the claims & was told they were gonna review the claims. Waited 6 weeks & called them back & the reply was that this was a chronic disease. How can a puppy with 2 UTI be considered chronic.???? Am very unhappy & discontinued the ins. They had stipulations of 3,500 cap per disease, & I did not get paid anything:( Bad .. Bad ,,, bad

For the last 6 years I've had Embrace Pet Insurance and the customer service and personalized attention is unwavering and unique in today's commodity-driven service world. Thank you Embrace!

They processed my claim quickly. They even sent emails to check on my dog's status. They treated me better than my personal healthcare insurance company.

They processed my claim quickly. They even sent emails to check on my dog's status. They treated me better than my personal healthcare insurance company.

My dog was hit by a car and required both emergency and regular veterinary services. Our claims were easy to file, were processed quickly, and were approved! Thank you Embrace! I will recommend you to everyone I know!

My cat suddenly started vomiting and had the runs. We took him to our vet and got him checked out. There where tests and medications to administer. Later there was a relapse and we had to get more tests done. We submitted our claims and we received a email notification for both its arrival and within a few days, what the reimbursement would cover. The reimbursement arrived in a timely manner with no complications.

My cat suddenly started vomiting and had the runs. We took him to our vet and got him checked out. There where tests and medications to administer. Later there was a relapse and we had to get more tests done. We submitted our claims and we received a email notification for both its arrival and within a few days, what the reimbursement would cover. The reimbursement arrived in a timely manner with no complications.

I've had this insurance for over 5 years...been paying them hundreds of dollars a year for all that time. They are good in terms of responding to claims, but in my case I paid far more for the insurance than I got back from them (thank God my dog has been healthy). Suddenly they change underwriters and my premiums change from $51 per month to $138 per month. So all these years I've been paying for coverage, now when my dog is older and I really need the coverage, they make the premiums unaffordable. Save your money, put some away each month, and pay for your vet bills yourself. I'd be in a much better position now if I'd done that instead of giving them money for all these years.