Embrace Pet Insurance Reviews

Because I’m a new client and she got sick immediately, it took a lot longer for them to suss out what was happening and my previous vet didn’t revive their communications until I called them personally. But I was in contact with Katie and Ashley and they were so incredibly helpful in getting us sorted out. I would be in considerable debt without pet insurance (would have done it, still) but I can rest easy knowing that whatever turns our lives take together, we will be alright thanks to Embrace.

He is a small dog with a huge personality, he is a warm snuggle bug when we cuddle at night, and even let's my cat sleep on the bed too. When I'm sad, he has kissed the tears off of my face, pushed his face into me for a hug, and gives kisses. He is my bestest friend ever and would never leave me to die, and thanks to Embrace, they made it possible to save Twiggy, and give him a chance to live a full life.

The amazing team at Embrace worked magic when I called them to say, Twiggy, needs help! They took the lead from there and took action. Helping me each step of the way so that I could get Twiggy the help he needed in the middle of a crisis. No furbaby should die before their time- Embrace made sure Twiggy, did not leave us too soon. Here are facts ALL pet parents should know- Pet insurance is NOT like health insurance, the vet hospital is not going to verify if your insured and then let you in.

They want money up front and do not care who is paying, but they want ALL the cost up front, AND the projected cost, Example: if he is ready to discharge in two days, it will be 5k, but if it's 3 or 4 days, 8k- so they want the 8k up front before they begin. So please insure your pets and hope you never need it. Embrace is affordable, and they reimbursed my out of pocket cost in less than 10 days. Insuring my best friend through Embrace has turned out to be one of the best decisions I've ever made to protect my dog's health and life.

I want pet insurance for the peace of mind and security. After seeing so many reviews around insurance as a whole not paying out due to inflated pre-existing conditions (ex. a dog vomits, and now no GI issues will ever be covered), then paying into a policy for years and being denied from something I could've been told month one. That idea gives me the opposite of peace of mind. Additionally, I found Spot to be more expensive, for the same monthly price, the annual limit was less.

When I got back the pre-existing report of what conditions will not be covered for my 7-year-old, I was initially disappointed with how some signs and symptoms were interpreted. Of course, I expected the hip dysplasia to make an appearance in that department. Though as others have said I noticed that a minor skin condition that went away without medical intervention was turned into an incurable, permanent concern.

However, I'm so grateful to the Embrace team & specifically to Kyle ** for handling me with so much professionalism and patience. He helped me through the appeals process and stayed in contact with me, he reviewed all the what-if scenarios I could come up with in the event the appeal didn't go in my favor. The appeal was reviewed and resolved very quick and thankfully this one was overturned. I find them to be very fair with pre-existing conditions. No pet insurance would cover my pup, Lobo's hips dysplasia at this point. Above all I can appreciate the transparency into KNOWING what will or won't be covered.

Last but not least, the annual premiums jump quite a bit as dogs age. The older my dog gets, I have to weigh the expense/value of insurance against my dog's life expectancy. So I'm caught between a rock and a hard place...do I spend a lot for insurance I might not use? Or pay for costly insurance which covers treatment that might or might not improve quality of life for a senior pet?

What truly sets Embrace apart is the exceptional customer service I have experienced. The team has consistently gone above and beyond to address any questions or concerns promptly and with genuine care. Whether it was clarifying coverage details, or helping with the claims process, I always felt supported and valued as a customer.

One instance that stands out is when Baxter had an unexpected emergency swallowing some gauze. The stress of dealing with a sick pet was alleviated by Embrace's straightforward claims process. Submitting a claim was a breeze, and the reimbursement was processed efficiently, allowing me to focus on Baxter’s recovery without the added financial strain.

Moreover, the coverage provided by Embrace has proven to be truly comprehensive. It's reassuring to know that I can make decisions about Basters healthcare based on what's best for him, rather than being limited by financial constraints. Embrace's commitment to transparency and clarity in their policies has made managing Whiskers' health a much smoother and less worrisome experience.

In summary, my experience with Embrace Pet Insurance has been nothing short of exceptional. The peace of mind that comes with knowing Baxter is covered by a reliable and caring insurance provider is invaluable. Thank you for your dedication to pet health and for being a trusted partner in ensuring the well-being of our furry family members.

I am now going to be paying $259.17 or $3,110.04 for the year IF I stay with them and do not decide to self-insure at this point. This is outrageous! Bastian just turned 7. I cannot believe this and wanted to warn you all against going with Embrace unless you first check out and compare all the A rated companies to see if you can find a better premium. This pretty much ensures we will no longer be able to afford our beloved Mastiffs any more as we go into retirement in a few years. This absolutely breaks my heart. Money should not stand in the way of having and loving this breed. I didn't ever pay this much when we had 3 ENGLISH MASTIFFS at the same time!!! This is GOUGING - PURE AND SIMPLE.