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When we got our puppy we made the decision to get her insurance coverage, including wellness coverage. So while she is young and does not have any major issues (knock on wood!), I just submitted her check-up and the process is super simple, fast, and my claim was reviewed and approved quickly. Anyone I have dealt with is friendly. I happen to prefer electronic communication and even that has seemed very personal and friendly.

Does not cover routine care of immunizations, follow up care for pre existing, or tooth care.

Does not cover routine care of immunizations, follow up care for pre existing, or tooth care.

Like many, I was skeptical of pet insurance. Everything I read online seemed to be negative and complained of low/no payouts, companies looking for any way to deny claims, etc. However, I knew that I wanted to have some safeguard in place in case of a worst case scenario. I don't remember why I chose Embrace...probably gave me the best quote at the time. I do know that I scoured the fine print in my policy. This is so important to do, so there will be no surprises when you file claims. From everything I read (over and over) there didn't seem to be any reason my claims would not be covered. And then that worst case scenario I alluded to above happened. My St. Bernard was diagnosed with Osteosarcoma in January. It is a very aggressive bone cancer. I was shocked to get the news, as he had been in great health until then, and is only 7 years old. My vet laid out our treatment options. We opted for radiation and chemotherapy. Embrace has covered 90% of EVERYTHING I have submitted (thousands of dollars). It has been such a great experience. Covering these extremely pricey treatments helps alleviate the stress of my dog going through this. I can't sing Embrace's praises enough. If I hadn't signed up through them when I did, there is no way we would have been able to afford these treatments.

After having other insurance carriers in the past, we switched to Embrace several years ago. Not long after that switch, our sweet boy was taken from us by Leukemia. It was an incredibly traumatic experience for our family, but Embrace was the one thing we didn't have to worry about. Our claims were processed immediately, and we had our reimbursements within a few days. The Embrace staff members we dealt with even sent a handwritten card to us to say how sorry they were for our loss. We've been loyal Embracers ever since. The most recent issue we had with one of our boys required several tests over multiple visits, and - true to form - Embrace handled everything within days. I even received a personal follow-up email from the co-founder and COO making sure we received our payments. Who does that?! ... Well, Embrace does, and we couldn't be happier with their service. Their coverage plans are outstanding, their service is second-to-none, and their prices are competitive. A+

This was the first time I filed a claim. My cat Leia had diarrhea and throwing up and then stopped eating. This was going on for 5 days so I took her to the vets to find out why. I almost forgot I had insurance on her so I called them while at the vets. I did not think they were going to cover the tests and medications but they did. I thank you and my cat Leia thanks you.

I've had Embrace for a couple years and found them very prompt in reviewing claims. This one was no different. They are timely and provide detailed explanation when approving or denying claims.

Embrace are always so personable and efficient. I've only ever needed (thankfully)to go through them for Wellness claims and have always found reimbursement extremely prompt. Many thanks to all at Embrace!

We could not be happier....this was our second claim we had to file for our Rottweiler, Morgan. Unfortunately, she had bilateral tears and had her first surgery in Nov. & her second in March. Having no prior experience with Pet Insurance we were not sure how everything would work, but ultimately we're hoping never to have to use it. Embrace made everything so easy, when you would call, you get to speak with a person & reimbursement is 2-3 weeks after everything approved. Thank you Embrace for being there for us and Morgan!!!

I haven't had to use my pet insurance much until this year, but the customer service at Embrace has impressed me greatly. Claims are processed quickly, the representatives know their products and are sympathetic to worried pet owners.