Find and read reviews with confidence

After my first dog was diagnosed with a liver disease, I became very familiar with the burden of covering extensive vet costs out of pocket. When I adopted my second dog, I was adamant of getting insurance - at least for year one. Remington has since turned one and growing and I plan to keep Embrace! I am comforted knowing that no matter what happens, Embrace is there to support me in doing what it takes to make sure Remington always gets the best care.

After reporting a reimbursement oversight to Embrace, my inquiry was quickly answered and resolved. This level of service is what I have come to expect from Embrace.

Pros: Nice people and nice website. Cons: You must repeatedly submit a claim; I had multiple lost claim forms (not sure how that happens on a web-based system). I have never had a single claim paid...ever. Each time I'm told there was some pre-existing injury or the the coverage doesn't include the care (e.g. "A well-check up is not included."). In fact, when I purchased the insurance, I received an exhaustive list of all the future injuries that would not be covered. It was huge. I would NOT recommend paying for this insurance unless you have a newborn pet. I paid over three hundred dollars for a plan and it is $300 I will never see again.

Embrace was a great decision. My dog Finnegan was recently switched to Interceptor and has had bad reactions - persistent vomiting, etc. This lead to multiple x-rays, nausea medicine, and visits. The costs really add up. Embrace has covered everything and makes it super easy to submit claims and reimburse you quickly!

I was very happy with the speed of our claim from Trupanion. Our Spinone had a very expensive surgery. We had already hit our deductible and I was hoping our claim would be processed quickly. Within 10 days of sending in the claim, the money was deposited to my bank account. The process was easy and we can't be more pleased with your company. No surprises here. Thank you so much!!

I was very happy with the speed of our claim from Trupanion. Our Spinone had a very expensive surgery. We had already hit our deductible and I was hoping our claim would be processed quickly. Within 10 days of sending in the claim, the money was deposited to my bank account. The process was easy and we can't be more pleased with your company. No surprises here. Thank you so much!!

One of our little puppies hurt his paw and y'all were right there and so helpful, he is just fine and you put the fee on the deductible so thank you so much. In the wink of an eye I received an email from y'all after the vet office contacted y'all. Thank you so much, wonderful service!

One of our little puppies hurt his paw and y'all were right there and so helpful, he is just fine and you put the fee on the deductible so thank you so much. In the wink of an eye I received an email from y'all after the vet office contacted y'all. Thank you so much, wonderful service!

Setting this insurance up for my fur children was a bit complex as Embrace wanted all prior records. I understand why, so I wasn't upset. The ease of filing a claim is great. I take the form in with me and have the vet sign it right as she does the exam. My vet doesn't really like insurance as she says she will have to increase her fees if she has to hire more office staff to complete the forms and fax prior records. This she can handle. She just has to write a quick note and sign. All I do is scan and email the claims to embrace (or the vet can fax it directly). Embrace acknowledges receipt within 24 hours and over 75% of my claims are complete within two days and the money goes directly to my bank, usually within 24 hours. When I signed up--puppy wellness insurance was not an option. I would highly recommend it and think the estimate of $700 is well in the ball park. We brought our newest baby home in late December and have spent $658 so far this year (includes spaying). It is now August and I will spend at least $100 more this year on wellness. Since we have three dogs I like the wellness benefit as I can budget what it will cost me into a monthly charge. I probably will increase the accident and illness coverage next year as I hear the costs are increasing dramatically. So far my one complaint is that my breed is not listed in the drop down list. Lagotto Romagnolo.

We didn't know exactly what we would need insurance for, except that our dog always ended up in the Vet a few times a year for something. Then, earlier this year he developed some issues with his back right leg. Embrace has done a good job covering the various tests and procedures and I definitely feel I've gotten my money's worth and more.