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First trip to ER for rat posion which met our deductible of $200. Then the $1600 blockage surgery to get the junk out of her gut was amazing. After the preimum for 2 years and deductible I am $300 to the good Now my husband was glad I got a $1289 check in the mail today. Thanks Embrace?

LOVE this company!! I should work for them, God knows I've told so many pet owners about Embrace. Last year, one of my dogs had a stroke, which was over 3 grand to diagnose and monitor. Last month, she had to have surgery on a leg, to repair muscle damage. Again, Embrace has come through for us. Both times I've used Embrace were for very expensive ER visits. What would we have done without Embrace?! I've had people tell me that they didn't think they could afford to insure their dog. How can you afford NOT to?? Especially in these economic times. Everyone is making less money, but vet costs sure aren't going down! I'm so thankful for Embrace! Nice folks to work with, awesome customer service and good turn-around time for claims. What more could you ask for?

time between submition of claim and recieving a check in the mail, about two weeks

I was very impressed with how Embrace responded to my claim promptly and fully, and supported our family throughout the process. My dog suffered through gastrointestinal distress and it took weeks and several visits to our vet and the veterinary hospital before he was able to be correctly diagnosed as having ingested a foreign object which had to be surgically removed. Not only did Embrace cover more of the expenses required to get him well than I expected, but they even made sure to check on his recovery and condition afterwards. I would highly recommend Embrace to anyone looking to insure their pet's health.

My big boy, Clarence, is a 165 lb. Irish Wolfhound. Several years ago I had outrageous medical expenses ($6200 and no insurance)for a 10 lb. kitty so I thought I had better purchase insurance for my big guy. Being a paralegal, I read through the details of every insurance company out there and was amazed at all the little "exceptions" that were hidden in the policies. Embrace was the only one where I felt it was very straightforward as to what it would cover. I was somewhat skeptical until I had some actual claims. Recently, my big boy had to have surgery which was thousands of dollars. After processing the claim in a very timely fashion, Embrace paid exactly what I expected. No exceptions, arguments, issues.... I could not be happier with my choice. I am strongly recommending to all my friends and family.

I have had Embrace for 1 year so far. We submitted our first claim last month for a stomach illness. The process seemed very easy, and we received notification on our reimbursement within 2.5 weeks (seems to be a good turn time). The customer service has always been prompt at responding to inquiries, friendly and professional.

We have had coverage on 2 dogs, with excellent service both times. While I'd like to see a bit more latitude with so-called "pre-existing" conditions, we have been very satisfied with the service and the level of claims awarded for all but one condition: in both cases, we adopted older spayed females; when they had indoor accidents, after having been in a shelter for some time, we suspected bladder infections, so we took them to the vet. Knowing the discomfort that can accompany a bladder infection, we didn't want to wait until the health insurance was in effect. In both cases, the problem turned out to be an incontinence issue--which is chronic and requires lifetime meds, rather than a bladder infection which is a one-time medication event. So in both cases, the medication is not covered. This seems unfair: I can't see waiting a month for insurance to take effect before taking an animal for treatment if it's in pain or if neglecting the condition can lead to something worse, such as a kidney infection. My understanding, however, is that all companies have the pre-existing condition issue, so Embrace is probably no worse on that score. Other than that, we've been very satisfied.

It took a very long time for reimbursement, but amount was acceptable.

tHANK YOU FOR ALL YOUR FAST EFFICIENT PAYMENTS ON MY DOG SADIE'S CLAIM WHEN SHE SERIOUSLY BROKE HER LEG AND NEEDED SURGERY. i COULDNT HAVE HANDLED IT FINANCIALLY WITH OUT YOU AND YOUR CARING THOUGHTS WHEN i CALLED. SADIE THANKS YOU TOO, SHE IS WELL AND RUNNING AND PLAYING AGAIN....

Heard about Embrace from my sister since we both have new puppies. We had dogs before and paid unbelievable amounts of money to have them live healthy, rich lives. This insurance is so nice. Wish we had it back then with our other pets!!!