Embrace Pet Insurance Reviews

I found out about Embrace pet insurance from a training club member who worked for them and raved about it. I had just gotten a Doberman and knew they were prone to many issues, plus my pup liked to swallow rocks, so I felt it was a necessary investment. The price was good as was the coverage. But in three years, the cost for her has doubled even though I've never put in a claim and I have another Doberman that was added a couple of years ago. That is just too much of an increase with no indication of any health issues. Plus I have done most of the usual health tests for the breed: OFA excellent hips, perfect echo, perfect holter. There is no consideration given for that. So I'll about to switch.

A truly supportive company there to support my pet's needs when we needed them most. Their support team is always kind and helpful, and their claims adjusters are quite reasonable in their approach. Thank you to the Embrace team for all of your support!

I do appreciate the quick turn around and the improved mobile app. But my god, the rates go up every year and my dog is not a sick dog, she’s only 6! I’m considering changing companies, it’s just not affordable anymore, hopefully she lives 10 more years… It will cost as much as my l monthly car payment by then.

This service is very professional and very transparent with excellent web and agent support. Their responsiveness is truly distinctive and they are consistent with USAA's history as a solid organization. We also find the agent's very friendly and polite. We also like how their website profiles potential diagnostic conditions.

I've had accident and illness coverage through Embrace Pet Insurance for five years and this is the best choice I ever made. The claims process has only gotten easier. Filing is done online. The reviews are extremely quick and my eligible costs were reimbursed within a week. There is a nice of range of choices for coverage and the premiums are reasonable. I can't recommend them enough!

Embrace is there for you and your furry friends. Incredible customer service and communication paramount these days and Veronica and Embrace have that. Filing claim was so easy. Highly recommend Embrace for all your pet needs. One never knows re emergencies or illnesses, so protect you and your loved one.

Before I bought pet insurance I compared all the different companies and rates. I can’t say enough great things about Embrace. I’ve had them since I got my pup 2+ years ago. I’ve had to submit several claims with ease and have called customer service many times and they are always great. They’ve made caring for a pup who has seizures a little bit easier.

At first glance the Embrace Pet Insurance seems like a great idea. After all, who wouldn’t want to protect their furry family members? If I could offer advice before purchasing a policy…read the ENTIRE document before you purchase. The first few paragraphs tell you what is covered. The second half goes over what is not. “Full coverage” does not include wellness visits or preventative care. You have to pay extra for wellness care. At that point it’s almost like a savings account they use to cover office visits and normal preventative medicine.

I've had pet insurance for over a decade. They have all had their quirks, from only paying 50% max (VPI), to Healthy Paws that doesn't pay for the vet to look at your sick pet aka examination fee (yes, really disgusting right?) to Trupanion that years ago wouldn't pay a claim if your dog was over a year old and intact (you're really going to mandate what I do with "my" dog?). Finally, I found EMBRACE. They addressed my concerns and pre-certified my dogs before I cancelled Healthy Paws and insured with EMBRACE. All my claims have been paid quickly and fully. Kudos!

To whom it may concern: I am greatly satisfied with the experience of claim processing. I like being notified when claim is received and paid. It’s appreciated. We were ups highly recommend Embrace. This is our first experience with pet insurance. So happy our Vet recommended you. Keep up the wonderful services.

I can't say much good so far. One thing that is unacceptable is their payment policy that will back date all policy changes occurring mid-year back to January 1. So by paying several hundred dollars for a new policy but get the coverage backdated is not good customer service.

I have had nothing but good experiences with Embrace so far. I've submitted about seven claims and they've all been accepted...of course, I chose a $1,000 deductible, but when my payments ran over the deductible they sent me a $750 check expediently. The claims process is super easy. The little guy in the picture is who Embrace is helping me care for. The missing patch of fur on his neck was from the ultrasound (that they covered).

Prior to submitting my first claim, I was nervous about the process being arduous, or that there might be some small detail that might cause the claim to be denied. However, all I had to do was simply upload the requested docs. No questions, no phone calls, no hassle. The claim was approved fast and I got my reimbursement check quickly.

Katie was very knowledgeable, no pressure, made sure I knew everything about the policy, recommended policy that fit my needs, she did not pressure me, answered all my questions. Our dogs' names are, Blu, Titan and Melo.

I’m not convinced that the wellness reward is cost efficient. Plus the pre-existing condition of stomach issues has knocked out almost all of our requests for coverage. As a young pup two years old he is constantly, and will likely continue to, hunt for things to eat. I’m considering just getting the accident insurance. We definitely paid more for coverage through the past two years than we received back.

Great pet insurance company, easy-to-navigate website as well as great customer service. Worth the money to keep your pets under a vets care whether routine or emergency. Reimbursements are timely. You will receive check within a few days of submitting claim.

Embrace Representative explained to me that, ‘they are unable to provide coverage for pre-existing conditions, defined as anything diagnosed or symptoms prior to starting the policy and through the initial waiting periods.’ I understand now those months in waiting was for clarification of pre-existing conditions. After the pre-existing conditions was clear, all the claims afterwards going very smoothly and quickly. I’m appreciated the 90% pay back as stated in the policy. I would recommend Embrace Pet Insurance to my friends and neighbors. My dog’s veterinarians also recommend Embrace to other clients.

It's refreshing not to have to wait for customer service to answer a call. The customer service rep was gracious, understanding & had the change I needed to make completed immediately. I'm very satisfied with the service I received during this call! However, overall their policy is complex for an older pet. My complaint with Embrace is understanding and/or remembering what's required when you make a claim & how long they take to process a claim. (Yes, you can read the lengthy policy but you'd have to do that every time.)

They paid the claims in a timely manner over the course of my first year with them. However, when it came time to renew for year two, they raised my premium for my two dogs by over $40 a month which increased my annual premium by about $480! In my view, it appears that the initial year's lower rate was a ploy to get me to sign up with them. When I complained about such a large increase, I received a condescending email from them saying they "understand it (premium rate increases) can be frustrating" and that I could buy less coverage if I wanted a lower premium. They also blamed the rate on many factors, including inflation, policy changes and the underwriter (American Modern Insurance Group) who determines the base rate. Too bad they have no say in what they charge, huh? To me, it's a bait (lower initial rate) and switch (2nd year large rate increase).

3 weeks ago my 14 month old German shepherd woke up very lethargic and definitely not herself, having the insurance allowed me to go to the vet without thinking of the cost. After she came home from 3 days in the hospital, I submitted the claim. Best part was I got refunded before the credit card bill was due! The process was so easy. I will never not have pet insurance again!

I absolutely LOVE Embrace Pet insurance! If I have a simple question, I can just call and usually get a very quick response, with an actual human being!! (No phone tree here!) I have 2 Australian Shepherds and my vet bills can be very high at times. But I never have had to hold back on getting them the treatment that they need because I know that I have an excellent insurance plan with Embrace, and that I will get a certain percentage of that money back. Also, they have updated their site, so now you can submit claims directly online and receive your insurance payment through direct deposit. Easy, peasy!

Our 3 year old Border Collie had to have TPLO knee surgery. Embrace has been amazing at communicating the cost breakdown and payments! We are so grateful to have Embrace for our Oreo and would highly recommend this company to friends and family. PS - I rarely write reviews for anything! Thank you Embrace!!!

It's bizarre to see the positive reviews for this company. I found my dog as a stray puppy, who when I rescued I took immediately to a vet. He had mange and an ear infection. About 4 months after literally rescuing my dog off the streets, I bought Embrace Pet Insurance. A few months after I got pet insurance my dog started itching and licking his abdomen. I thought he had allergies and took him to his vet. His vet recommended an expensive Allergy test, which I assumed Embrace would cover. However after I filed a claim, Embrace stated that since he had mange when I found him and an ear infection a month later, anything dermatologically related was considered a pre-existing condition. This was devastating for me, because as a pet owner I realized I could not afford any further medical care for my dog since none of it would be covered.

We had to file our first claims. The insurance company had no issues with the health history submitted for us to obtain our policy. Now that we have a need for our coverage they have an issue with the original health history. Instead of notifying us or the original veterinary clinic that there were any issues causing a delay in reimbursement they sat on it until my husband called to follow up. I have not received any notification that they have followed up with the veterinary clinic after speaking to my husband a week ago. Not off to a good start. If anything changes I'll gladly update my review but for the time being I'd advise others to stay away from this company.

Embrace was great about obtaining my 3 dogs for a policy. When it came that my Golden acquired an ear infection, they denied the costs of medications and treatment, stating it was a prior condition due to the fact she had ear drops 9 months prior for inflammation. The whole reason I elected was because they assured me that all was fine, they had done the vet review, and I even took them for the Orthopedic Vet Visit. When we think of insurance for our pets, we think of the hard to pay for events. We don't think that an ear infection as "Chronic" because that would mean that it is untreatable. They are not. They collected the fee to write the policy on 3 dogs and the premiums from March to July. A wasted amount. When I complained, and said that was why I bought, they just cancelled the policy at my discretion, without trying to help me. DON'T GO WITH EMBRACE. TRY AKC. They don't have pre-existing/chronic definitions used.

Embrace is truly the best insurance I have experience with for an older senior pet. Customer service is very responsive and reimbursement is very quick. I have a 500 dollars deductible and went with the 70-30 plan. Very grateful for their quick reimbursement.

Always show professionalism and great courtesy. Always great to deal with. Whenever I do call the wait time is super short and they are very knowledgeable of their product. Always would highly recommend.

After a little over a year of solid service from Embrace, I had the dreaded negative experience everyone with pet insurance fears when filing a claim. I submitted a claim for one of my dogs who was vomiting and having diarrhea. Easy day, I thought. Just as I was starting to realize that the claim was taking longer than it had in the past, I get CC'd in an email from Embrace to my vet asking for my dog's medical history over the last year. Confused about why that would influence the status of my claim, I call Embrace who then proceeds to tell me that my dog has "pre-existing conditions" on my policy. I ask the Embrace representative which policy document would have those pre-existing conditions listed to which she responded that I don't have access to the document that lists them and that I could online get them sent to me if I had known to ask for it. Complete scam.

The 1st claim I submitted took 5 months to be processed. The deductible was not applied to the year current year, but instead the previous year. This was not thoroughly communicated to me, despite talking with Embrace MANY times in 5 months. When I submitted a 2nd claim, under the assumption my deductible had been met, I found out afterwards that it had gone back to 0 and I ended up paying the full amount of a very expensive vet bill. The individual employees were kind, yet no one offered a solution or compensation for the ordeal. This is a big company that does not seem to be able to meet individuals needs, and are profit driven. If you want you and your pet to be cared for, I would look elsewhere.

I originally searched multiple pet insurance companies online, but couldn’t make a decision. Then I got a call from Roger at Embrace. The call really helped me to understand all of my options. Also I feel my concerns were listened to and explained. I was able to customize my insurance according to my pets. Great job!!!!

Embrace is the best of insurance companies by far! I've had policies with other insurance companies, and it was sometimes a bit of a hassle to turn in all the required paperwork, followup, and request reimbursement. Not with Embrace!! My pup has had gastro trouble this year and Embrace handled reimbursement super quickly. I appreciate that, since money is tight these days. My pup is a top concern for me, as he is a family member. Embrace, thank you for all of your help!

They stand by their policy agreement and they have a fast and efficient claim processing platform. They quickly review submitted claim in time and email promptly with their assessment and providing detailed explanation. I feel at ease knowing that they stand by their product and my pet is well taken care.

Very thorough explanation and helpful with submitting claims. The young lady that helped me was very understanding of the fact that I was a senior citizen and I was not understanding half the upload and download in process.

I purchased coverage plans for my two dogs. Paid a year in advance. First time I filed a claim they denied it because of “pre-existing” condition. I provided documentation from the vet showing my dog was treated for ear wax and instructed to use cleaning wipes (the pre-existing condition). Again, they said that is a pre-existing condition and denied the claim. Which the claim was for a skin bacterial infection under her arms. After 6 weeks of the back and forth I cancelled my policy. This is an honest review. I felt that no matter what I provided to them they would not cover my pet. Hopefully others have better luck.

So, my dog got a tumor last year. Had the surgery done and it was removed. Unfortunately, I didn’t get pet insurance consistent over the years being a full time student so you know this makes it extremely expensive. But after the tumor experience I didn’t want to be caught without it again. Now, a year later a full paid policy. I take him in for a follow up. Embrace won’t cover **!!! They want to say that everything is a prior condition and that even though the tumor is gone he may get one again and they won’t cover that. That was the entire point of the coverage!!! Even basic things they are looking for reasons not to pay me. When I ask them, “Well damn, what does the $1700 a year policy I paid for cover then????" “Oh well we can’t tell you that, we can only tell you what’s not covered”. What???? What the hell am I paying for them ??? Never again!!! I’m starting a savings account and will ayote the money for procedures there!

I have Embrace pet insurance through USAA. Every time I have submitted a claim it it's been super quick, a response has been within a couple business days. I have had no issues with submitting my claims so far. Customer service reps have been super nice, caring and answered all my questions politely. Embrace has made it super easy to use their app submit claims and documents as needed and a quick response time along with good prices. Would definitely recommend to other people looking for Pet insurance.

I am completely satisfied with the handling of my claim for an illness suffered by my dog Marley. The claim was handled expeditiously and my reimbursement arrived very fast. Impressive and very professional customer service. The claim filing procedure is very easy and quite efficient.

Embrace has been such a blessing for my pet and myself! Every encounter with Embrace has been pleasant and productive. The amount of services offered and rewards program is amazing. I have been and will continue to recommend Embrace to anyone I know and come in contact with. One of the best decisions I have made was purchasing this policy.

Embrace has an incredible follow up after purchasing the plan(s) of your choice. All information on the plan and items needed to make sure the insurance is active are followed up. When I called to confirm items or ask general questions, they are incredibly knowledgeable, friendly and prompt. I also wasn't on hold for more than a few moments before I got to a person. Another family member referred me to this company and if it wasn't for the incredible plan and prompt payments, she would have lost her fur baby to cancer. I rarely write reviews, but I feel this company has earned the right to be praised to everyone.

I was not impressed with how long it took to review my dog's health file. However, after I met the yearly deductible, the process of receiving a check was quick and most of all my direct deposit was processed even faster.

This company has the best customer service people. They are quick and efficient. If you need a callback or need them to contact the vet they do that too. I would recommend this pet insurance company to everyone who has a pet.

We decided to get Embrace for our 4.5 year old boxer, and we are so glad we did. Shortly after he turned 5, he had a series of health problems and it was so great not having to worry about the cost of treatment. We chose the $1000 deductible, 90% reimbursement, $30K per year in coverage option and it has been excellent. Our daughter has an almost 2 year old dog and we are in the process of helping her sign her dog up as well. Recommended to our next door neighbors when they got a puppy and to my mom for her kitties. Embrace is an honest, transparent company, no surprises.

We spend almost $500 for a year policy and did not get 1 claim approved. Our Pug was disqualified from multiple possible future claims due to her breed. We got our puppy from a rescue and insured her within 4 months of getting her. We took her into the vet soon after getting her because she threw up and believed she had indigestion. She was prescribed heartburn pills and was fine. Because she was seen once for vomiting before policy, any future vomiting (poisoned or blockage even) would not be covered for 1 full year…as long as there was no more vomiting visits… regardless of the reason for vomiting. Embrace will find a reason to deny you your claim. Additionally, it was a huge pain to sending the few papers we had from vet visits for shots, a spay and a vomiting visit. They didn’t believe that was all we had done with the vet. Best of luck if you take them on.

First rate every time! Professional, timely, courteous, handle the business great each time. Whenever I call or write they are on top of things and I'm always satisfied. I am so glad I have and use them. Embrace is the best!

I have 2 dogs, both born with stenotic nares due to breed confirmation. The older dog’s surgery was covered, the younger dog’s surgery was not. The difference? The vet who saw my younger dog at first vet visit noted the condition while the vet who saw my older dog did not. So my $4500 claim was denied. I am dissatisfied enough with this decision that I am moving to another pet insurance provider. This is totally unacceptable and amounts to a loophole that Embrace uses not to pay claims.

A very expensive ER visit for my dog Chez was covered with no problems at all. Check came quickly!! Takes all of the financial worry away when you can count on coverage from Embrace. The uploading of documents was easy as well. Everything was very smooth.

This was my first experience with pet insurance. It took the adjusters 6 weeks after receiving all medical records to put a note on the account saying they were requesting more medical records when there were not any additional records, at that time. Then it took weeks to review the medical record just fabricate information indicating that everything was a preexisting condition. I had to have the vet appeal and have myself appeal the decision with Embrace’s underwriter for the pet insurance, who finally approved the claims and nullified the falsified information. Reimbursements finally began 8-10 weeks after initial claim was filed. But during that time Embrace was still denying new claims, for the same condition, for 2 more weeks after the underwriter had approved the appeal. I had to call Embrace after every claim to speak to customer service, appraisers, supervisors, everyone to get them to correct their repeated mistakes.

I have had Embrace for 5 years and have had nothing but positive experiences. Your claims department pays claims extremely quickly and covers a lot of overall expenses. It has given me the assurance that should something unexpected occur with my dog's health, he'll be covered.

Love Embrace Pet Insurance. Office visits a are covered nicely once deductible is met. We had a visit with a specialist and was covered at 90%. My dogs grooming visits are covered at 100% as well as heartworm prevention. I have recommended Embrace insured on the several Facebook pet groups that I belong to.

Embrace Pet Insurance has been very easy to work with from the online claims process to customer service. The coverage is top notch. I am very happy to have found them when my pet was young and to have stayed with them throughout my pet’s life.

I filed a claim on one day, 2. They acknowledged receipt of it that day, had a determination 2 days later, and 6-8 days later I received a check as promised. I got a little confused using their site, but when I emailed them about it, they got right on it. And this was my very first claim.

My cat, Montana, is 12 years old and has ongoing digestive problems. So, as you can imagine, she goes to the vet on a regular basis for medicine. Embrace covers everything -- from the office to the meds!! And it is very easy to file a claim.

Embrace Insurance has been another version of a guardian angel for me and Nala. About 3 months ago, Nala was diagnosed with a Mast Cell Tumor Grade III. When looking at chemo options, my wife and I grew incredibly worried that we would not be able to afford the treatment and was not sure how quickly Embrace would be able to turn around review. When we submitted out invoice, within 3 days we had a response. This has been the best insurance company I have dealt with in my life. They have made a very tough time for me MUCH EASIER. HIGHLY RECOMMEND!

They are an honest and upstanding company. They do not delay claims, when my Pup had to be put to sleep they were caring and without asking gave a refund on month not covered. They are continuing to process his claims timely even though no longer with us. I will continue with them with our other pup because of integrity.

I have been a member of Embrace Pet Insurance for 12 years. I have been able to enjoy peace of mind for these years in case something should come up for my fur baby. Proud to say that she remained healthy during these years, but just in case, I knew I could provide the necessary care that she would need. Thank you, Embrace for that peace of mind.

I am so impressed with Embrace Pet Insurance. I’ve had it for both of my dogs for the past 5 years. I filed my first claim and was beyond happy with how easy it was to file a claim and be reimbursed. They were so efficient processing my claim and sending my reimbursement check!

Embrace is by far the best pet insurance. It was recommended through a friend who also uses them for their pet. Their app is so easy to use. Their staff is always helpful and professional. Claims are reviewed in a timely manner. I appreciate their transparency, kindness, and efficiency. Highly recommend!

Have been with Embrace since my dog was 6 months old, he's now almost 11. They have continued to offer superior support. You may submit claims online or call and actually speak with a live person, which seems to be almost impossible to find with most companies lately. Pet insurance is expensive, and the price goes up every year but, if you plan on going to a vet for wellness visits and/or you have a dog that's a bit of a trouble maker and gets into stuff that they shouldn't, it's invaluable. Have changed the plan over the years to increase the deductible to lower costs but still keeping it. Last emergency room visit -consultation, Xray, bloodwork, etc was $1345 (NY pricing). Getting 80% back really helps!!!

When we first brought our great dane home we researched pet insurance companies and chose Embrace. From the very beginning they have been very helpful, understanding with any questions we had, etc. We've been very fortunate as we've not needed to use their benefits for the ten plus years we've had the dog, but like any insurance we knew it would be there when needed.

We were with Embrace for 10 years and never had a problem with their service. We chose the option to cover illnesses and not the one that covers everything. They were quick to respond and helpful. We appreciate their compassion and help.

This policy Costs more than if I pay out of pocket. It does not cover basics, only accidents or emergencies and even then, not with preexisting conditions. I have been paying monthly and when I made my first claim today, it wasn’t covered. I could add the Wellness Rewards for a minimum of $200 a month. Embrace then uses my money they are holding for me to pay my claim. They make interest on my money and then pay my claim back to me with it. What a scam.

We signed up when we first got our puppy Bree, she is now 7. Has had a few claims but this last one was larger, I submitted the claim less than a week ago on their App very easy and just got notice that it was approved.

If I could give Embrace no stars, I would. This company is terrible. Essentially I paid for 2 years of service for both of my dogs and not one any of the claims I’ve submitted were approved for reimbursement. Embrace is literally, raping your bank account, taking your money and not covering anything. These companies need to be stop. Don’t waste your time or money. Save for dog's emergencies and pay for them yourself. You’ve been warned.

We submitted a claim for the surgery to repair our dog's cranial cruciate ligament tear and received confirmation that it was approved the next day and our reimbursement check in the mail in less than two weeks. No loopholes. No fine print. Just high integrity and fast service. Thank you, Embrace Pet Insurance!

My beloved pet Gracey suddenly became Sick and was diagnosed with kidney failure, I was able to get her all the treatment possible before we found out it was too late. I will always be comforted by the fact that Gracey received all the medical care possible. Everything medically possible was done and Embrace paid my submitted claims in no more than 3 days. Do yourself a favor and get this insurance.

Within a two year period, Embrace has raised my premium by over 200%. The only detail they've provided is that it's because of their underwriter and they don't have any control over premium increases.

All I can say is that the overall experience in recuperating the cost of our puppy's stay at the hospital was super easy and efficient. I especially liked the personal contacts and updates with respect to our claim. I would recommend this organization to anyone with a pet.

Got Embrace for emergencies years ago for our cats. This summer our cat needed emergency surgery and Embrace is denying coverage for a non-existent “pre-existing” condition from 2013. Problem is the cat was never diagnosed with anything and we have to file a lengthy appeal for a “condition” the cat never had. Outrageous and I would use a different insurance company.

Easy to deal with when submitting a claim. However, there's a "double speak" approach. They compel you to have insurance with your puppy ASAP (which I did, in his first year of life). They say if you wait, rates will be very high to start. However, after just one year, the rates go up (on avg) 20-35% each year. They explained that as your pet ages, the actuarial tables project higher risks, so you pay very high increases annually. Point being: regardless of starting young or waiting, you ultimately end up paying high rates as your pet ages (they were not explicit about this from the get go).

My claims for my dog's injury and surgery were processed and paid quickly. I submitted the claims through their app, which was easy to navigate and use. I'm very glad to have a policy with Embrace - it made it easier to choose the best treatment for my boy without having to worry about cost.

I bought their insurance for both my dogs and as soon as I had a claim they made up fake ridiculous reasons to refuse to pay my claim. Also, they added fake pre-existing conditions to my dog's profile to not pay for my claim. I appealed my claim and got multiple doctors to write notes and give proof that my claim was valid and it was not a pre-existing condition. They refuse to accept it and they just turned me down multiple times after many appeals. The customer service is very rude and they ignore my emails. Lisa ** a claim adjuster will do anything to make your experience working with the company unpleasant.

We have had several "emergencies" with our dog. They all happened within 10 days of each other. Once the claims were submitted - We received confirmation and a response quickly. We do not have "well Care" insurance, each claim was reviewed for benefits, we were told what we would be receiving --- got back at least 80% - loved the reimbursement.

In all my years of owning a pet, this is the first time we have purchased pet insurance. I especially like the fact that Wellness dollars can be added to our policy for preventative flea and heartworm, as well as vet meds. I feel confident that claims for my husky will always be handled promptly. I have received reimbursement within 2 days of service in most instances. I am so grateful we chose Embrace for our Kloi!

I am very frustrated with this company. I chose their policy because they claim to provide the best coverage. That they divide their incurable and curable preexisting conditions to allow for more coverage. However, what they fail to tell you is that they will find any reason to deny your claims. My puppy was placed under several "temporary preexisting conditions" which I was told I could appeal. I followed up with questions and it took several months to get a response after calling and emailing several times.

The rates are very competitive. The claims handled quickly. The customer service is ready to help always. I have 5 dogs with policies from them. Also they have a vanishing deductible. Your deductible is reduced by $50 each year you are claim free. Unless you are going to have your dog fixed, I don’t think the well care is worth it.

Our dog became very ill. She was vomiting for several days, and had stopped eating. The vet had performed several tests (blood work, multiple x-rays, etc.). When the vet could not figure out the cause of the illness, exploratory surgery was needed. We did not hesitate to move forward with the surgery, as we had our dog covered with pet insurance from Embrace. Shortly after submitting our claim, we received notice that Embrace covered everything that was included in our policy. Embrace is an amazing company to work with, and they make it easy to make life saving decisions when it comes to caring for my pet. I have already gone out of my way to recommend them to other pet owners. I sing their praises every chance I get.

My dog is more than just a pet, she is a service dog, she is a part of our family, she’s one of my children. In a moment of crisis, not knowing how to help her or why she was in so much pain — knowing that she had insurance allowed me to get her the best and most thorough care possible. I am very grateful how easy Embrace makes it to enter a claim and to receive reimbursement. So thankful!

My dog was diagnosed with a mast cell tumor (turns out she had 3 total they found during surgery). The app is super easy to upload the invoices, my claim was reviewed and approved I think within 24 hours? It wasn’t longer than I think a day and a half before I got a response and received the checks a week later. Having a sick pet is so distressing and I appreciate not having to worry about the financial piece. I’m very happy with their services. I have already recommended this company to several people. Thank you!

Embrace pet insurance was a total waste of time and money for me. I was better off just paying out of pocket for medical expenses as opposed to paying high monthly fees for an insurance policy that I could not even use. I was paying into my policy for about a year and then all of a sudden my monthly fees go up 55% out of nowhere. Embrace pet insurance claimed that my cat had a pre-existing condition. This is not true because my cat was not diagnosed with this condition until after I started my policy with embrace. Embrace would not pay for any claims that I submitted. So basically I was paying into a policy that I could not even use and my cat was only dealing with that one condition only.

I had had insurance for over two years with Embrace. Then a claim had to be filed. It took forever for them to pay me nothing. Said it was related to a preexisting condition despite what my vet told them. I now have a 37.00 claim in that was filed at least two weeks ago. I just had filed a claim for the same thing. Payment went to deductible after two weeks. Now suddenly they want to review records for this little 37.00 claim. Records were reviewed right after I took policy. I also have a temp preexisting condition on the policy. How long is temp?? It’s been sitting there since 2018. I have dealt with three other companies in the past. I went with Embrace because they were a established company. Mistake. Put your money in another company. If you don’t you will be where I am. Frustrated and pissed off.

The prices seem competitive but it’s not worth the hassle that you have to go through. Initially they make you go through a screening of your pet medical record but when you make a claim they say they need more records. A complete scam. They find any excuse for them not to process your claim.

My dog Tucker ingested anti-freeze, which I now understand is odorless and tasteless. After a trip to my Vet Tucker was in the hospital for 3.5 days. The process for submitting the claims online was quite easy and approval and payments were prompt. I am so glad and thankful I had this coverage!

Both of our pets were diagnosed with cancer in May, which came with several vet visits and hospital bills. We had claims for one of our pets denied for an absolutely ridiculous reason, and the notes sent from the claim adjuster were often contradictory. One adjuster overlooked the diagnostics performed on a previous mass (and listed “fine needle aspirate” as an example of an acceptable diagnostic procedure), and another adjuster saw it in the medical records but said that it was inconclusive. We had to contact our vet to help dispute the claim, and they were absolutely furious with the incompetence of this insurance company. On top of this, they are suddenly asking for complete medical records to be sent again for our other pet in order to look for any “preexisting conditions”, despite already having paid other claims for the cancer diagnosis and receiving the medical records multiple times.

I’ve had insurance policies for three pets with Embrace for the past 5 years and just recently had to submit my first claim. It was very easy and I received confirmation of my reimbursement within a few hours, and the check shortly thereafter. I also received a discount on the deductible since it was my first claim in 5 years. Overall, their policies are affordable and the claims process is hassle-free. I’d definitely recommend!

We have had Embrace for 3 years now. Our little Yorkie is almost 11 we knew we may need it sometime. We never had to for the 1st 2 years. And then this year our little guy got cancer and had to have some teeth pulled after a fight with a groundhog. Embrace was so quick to pay the claims and the process to file the claims was super easy. We are thankful to have had them.

I have had Embrace Pet Insurance on my two cats for 2 years now. One cat has had no claims. The other has had a few but the most recent was a large claim. Embrace covers exactly what they say and there are no tricks. Also, the claim can be made online through their site in about 5-10 minutes. Thank you for making this easy and making me feel confident about your company. Herbie says thanks!

Terrible, terrible, I sent 4 emails, no response, I tried calling 5 times and was on hold at least one hour each time. The last time I called I just set the phone down and waited while I ate and did some chores. Finally someone answered, I couldn't get the word "CANCEL" out of my mouth quick enough, sure glad my dog didn't need anything.

My thirteen-year-old dog, Billy, had emergency life-saving surgery. I submitted all invoices online to Embrace. I received an immediate email notifying me they had been received and another in just a few days that the claims had been settled. The reimbursement checks were received two days later. Excellent website, customer service, and a very reassuring process. I would highly recommend Embrace.

I have had Embrace for a few years now, never had a claim. Just now they doubled my premium for now specific reason. Canceled and bye! If you Google the pet insurance company ratings, they rank #8 with a 7.7 rating. I went with PetsBest, even lower cost with the same coverage, they rank #2. PetsBest also has a less waiting period, awesome! In case you think I am associated with PetsBest, my Embrace policy # WAS **

I have been with Embrace for 10 years. I never had any issues with them. They accepted every claim I sent in. The last couple years, I did notice an increase in pricing which made me have to up my deductible to make it affordable for four dogs. I used to recommend them to others because I always had a good experience and good customer service. I've notice some other people in the dog community state that they were leaving Embrace due to bad customer service and issues with their claims. During my 10 years, I couldn't believe there was because I've never had problems. But my time was came.

My westie terrier was scratching and had a rash on his stomach. I took him to my vet who diagnosed an allergy and prescribed medication for itching and an antibiotic. I entered my Embrace claim on the website and was responded to in two days. The majority of the cost was reimbursed. I am very pleased with the quick and positive response.

I’m Extremely satisfied with Embrace! My claims were submitted in a timely manner and love that the money is direct deposited into your account. Customer service was also amazing when I called!! Would highly recommend them to family and friends. Already have

Thank you so much for being quick to respond and handle our medical issue with our dog, Ruthie. While we were on vacation she scratched her eye and our sitter took her to their vet. When we returned we submitted the claim and it was handled quickly and efficiently and in way less of the time we were told it would take. We are fortunate we haven’t had to use our insurance very much but when we do it was handled so well. We are very happy and Ruthie is doing great! Thank you!

If I could give them zero stars I would! Despite what my specialist has repeatedly told the insurance adjusters they think they are above a Drs knowledge in choosing if a condition is pre-existing or not! They disregard factual evidence that is presented to them and come up with their own verbiage to deny your claims! Some adjusters enjoy using gaslighting tactics and simply ignore you when they are called out. Jenna ** and Alissa ** have been horrendous to deal with and look for every possible loophole and google article to deny your claims even if a Dr states otherwise.

I recently enrolled my two pups in Embrace. I needed to follow up as to whether I needed to forward vet records. I called Customer Service and the very nice agent asked me the name of my vet and the city in which they were located. I told her and she said they would take care of getting the records from the vet. Very friendly, and very professional. Fortunately, I have not had to file a claim yet, but I feel confident that when I do, it will be dealt with in a timely and thorough manner.

I purchased a policy for my 12 year old dog. I submitted a claim after the two week waiting period. The claim was to test for Cushing's disease. My dog had NEVER been diagnosed or even suggested by a vet that she had this prior to this. After 45 days of waiting I received an email from the adjuster saying my dog would not be covered for Cushing's because she had symptoms prior to the waiting period. I purchased the policy at the end of Feb 2022. Waiting period was over by first week of March 2022. They combed through all of my dog's medical history looking for a way to link something to her current diagnosis.

We have had our dog for 9 months now and submitted all paperwork to Embrace and they found no pre-existing conditions. Recently our dog developed a serious problem and even though our veterinarian wrote Embrace a letter explaining to them why our dog needs surgery and why it is a medical necessity, Embrace is refusing to pay. Save your money, they used to be good, but they seem to be trying to squeeze every penny they can out of their customers and not live up to their obligations. Very disappointed in Embrace.

I'll keep it simple. I'm cancelling. Hard to have conclusion this is not a scam. I understand some claims might be rejected, but 100% are, including literally the surprise surgeries I purchased it for with no previous history from the pet. I'm taking my business elsewhere.

I decided to get my cat accident/illness insurance while she was young just so when she was older everything would be covered. Turns out she ended up developing bowel disease and it cost me $2000 of multiple vet visits to figure it out! Embrace refunded me about $1750 of that. Such an amazing thing to have for all of your pets! You never know when you’ll need it

They process all my dog's claims in a decent amount of time. Also very helpful and phone friendly. I am a happy customer going on eleven years. Chachi just had bladder stone surgery. Received my check a week after it was submitted. I highly recommend Embrace Pet Insurance.

0 ** STARS!!! They don’t cover anything in reference to French Bulldogs. Had the insurance since my puppies were 6 weeks. The oldest is now 11months and Embrace has not reimbursed me for not 1 vet bill I have submitted. Had I saved the $159 I paid them for 11mo I would have more $ in my pocket than the actual vet bills cost in total. They say they cover everything to get you to purchase until you have to submit a claim and they do everything in their power to deny you.

Embrace pet insurance is not trustworthy. The claims process is made long and complicated even though they make it appear to be simple. They excluded conditions that my dog didn’t previously have and other conditions as simple as diarrhea. Basically, Embrace made it so that anything that may occur will not be covered. I began to suspect something was not right when Embrace claimed it could not get information from three different veterinarians. All three said they never received anything from Embrace. After Embrace tried listing an illness my dog had well after the policy was active as pre-existing I knew this company was fraudulent. Upon researching the reviews for Embrace, I learned that the company routinely does this kind of thing to customers. I do not trust Embrace insurance with my pet’s health and life.

In the three years we have used Embrace to insure our dogs, we have never received anything but excellent service. When we call with a question, we always talk to a real person who knows the answer to every question we have ever asked. Each agent has been personable and patient. Our claims are processed quickly and followed up with a personalized, written explanation of the claim status. The claim reviewer additionally provides personal contact information should we have any additional questions. We highly recommend this insurer.

I have been an Embrace Pet Insurance member for three years and am very satisfied with their services and would recommend it to my friends and family. This is the best insurance so far. If I have any problem I call them and it is resolved right away.

Quick response when claims are filed and check reimbursements sent. Quick response when I've emailed questions and friendly on the phone. I have no complaints at all with the insurance. We've never had pet insurance before and would highly recommend it to anyone who has a pet.

Embrace was amazing & processed Murphy's claim in a very timely manner which I greatly appreciate. I am so thankful I chose Embrace as my cat's insurance provider! They deposited funds back into my account within 2 biz days which again is so helpful when finances are a concern.

I recently canceled my policy with Embrace that I had for almost a year (I got it in May 2021). I have a cat and had recently adopted my dog, and I thought Embrace was a good choice for pet insurance because I read good reviews. Fast forward to April 2022, my dog had an emergency: she ate a curtain and was gagging and bleeding from her mouth. I had to take her to a pet ER because this was late in the day. She was fine at the end of the ordeal, and I filed my claim with Embrace. They denied it because of lack of medical history. I wasn't too fazed by this; this was the first claim I had filed, so it didn't surprise me that they wanted more information. I figured I could scrape together the remaining information and then everything would be fine.

I had Embrace previously, cancelled for reasons UNRELATED to the service, and rejoined 3 months ago. I had 4 dogs at the time, and Embrace was just as kind and quick on claims as they were the first time. There was no "nitpicking" on claims, and the app makes everything so much faster! I recently sent one of my boys across the rainbow bridge and the compassion, kindness and patience of the Embracer I worked with over the phone, Victoria S. was so comforting and reassuring! After the claim was processed I received a card from Victoria that was imbued with wildflower seeds to plant in memory of my sweet boy. The price of my policy, for 4 dogs, was very affordable for me. Thank you Victoria and Embrace for your kindness and compassion.

This company is really good at taking your money. So good that they raise your rates WITHOUT NOTIFYING YOU. So watch your credit card statements, kids. My dog had a procedure. Embrace paid 1 month and labeled 'a preexisting condition' the next time he needed it done. And they just approved it the previous month! Prepare to wait on hold at least a half hour before anyone answers the phone to straighten things out. Which btw, they won't.

I filed a few claims with Embrace and my pet insurance cost me more than my Medicare plan. It’s unbelievable how this nonsense works. I would recommend Embrace to my worse enemy. After speaking with customer service they couldn’t explain the reason for the increase therefore I cancel my plan at renewal. I just don’t understand why my premiums when up after filing a claim. Isn’t that why we have insurance?

Easy to file claim. Quick results. I’m very satisfied. Took Lizzy to vet - I was so scared - she was in extreme pain. I was so lucky to get an appointment within an hour. Filed my claim very easily online. I’m so happy with my vet's treatment and the speedy response I got from Embrace. Thank you!

I've been using Embrace for about 8 years now. They are fantastic! They don't haggle over coverage, they timely reimburse you, and they have great customer service. Don't go anywhere else for your pet insurance needs. My dog has melanoma and has ulcers in both eyes. The coverage paid out has been about $15,000 and they've never given me one problem with paying. I'm happier with this company than any other company I've ever used for insurance! AT

I wish I wouldn't have selected this company as my pet insurance. My dog jumped out of the car tore his ACL and they refused to cover the $2800 surgery stating it happened during the 6 month orthopedic waiting period and even though it was an accident it was still considered orthopedic. I don't see the point in having this insurance if they find clever wording to not cover surgeries. And my monthly payment is now $147.50... Absolutely disgusting.

Our Lab mix recently began showing signs of lameness in his front legs. We took him to our vet and he stated that our dog had arthritis and bone spurs in both elbows and recommended an eight shot treatment of a substance that was supposed to help lubricate the joints and a laser treatment that was supposed to reduce inflammation. He was also placed on ** for longer term relief. I was happy to see that this treatment was covered under our policy and we received a check for the amount paid over our deductible. The process was easy and quick and I could not be happier with the service. Thank you, Embrace!

Disappointed that Nico's second claim is considered preexisting when is different from his first condition, pancreatitis vs gastrointestinal which could be from something he ingested. What is the point of having insurance if I'm getting $10 on a $1000 claim?

I purchased a policy in 6/21 for my 7.5 yr German Shepherd at $79.79 a month, 20,000 annual, 500 deductible, 90% reimbursement. Just received my new policy $119 + change.. a unacceptable 48% increase!!!

I've had Embrace for my dog for 7 years now, ever since she was a pup. They were pretty good, and paid most claims with little complaint or delay. Starting in 2022, they've become an absolute nightmare to deal with: they nitpick every claim to death, delay payments, and it's nearly impossible to get ahold of a live person there.

I worked with Darcy in Embrace Pet Insurance Customer Service and she was incredibly helpful and kind. I appreciated her thoroughness in explaining all aspects of my policy and ensuring that I had the most appropriate plan for my furry family members. She went above and beyond in making me feel comfortable in the sign up process. She was very relatable and friendly! I feel at ease knowing I have a cost effective plan and support available if any questions arise in the future.

I love how they help you with everything. Have been very good to us. Submitting claims are so easy and they will assist if there are issues, so glad I made the choice to purchase insurance for our two French Bulldogs.

Sandy W. a/k/a Evie and Buddy's Mom

As all insurances companies exist with the sole intention of denying as many claims as humanly possible, this one is no exception. We were literally within "hours" of the time period required for the policy to go live, and they denied us. We felt that they were truly "splitting hairs." Several emails and conversations with them yielded elusive responses, coupled with extensive instructions about how to file an appeal. Certainly those details were also intended to discourage the average person, as they were involved and time-consuming. There was no effort to understand the unique circumstances we found ourselves in with a new puppy, even though I went to great lengths to explain.

First claims took a while to process but after the first claims were verified and paid, the remaining claims were processed quickly. Amounts were paid per terms of plan and claims were very easy to file. Would recommend this insurance to a friend.

So far, the jury is still out. The on-line claims process appears to be straightforward, but is misleading. The process presses you to select from a very limited number of conditions. Selecting a condition can inadvertently make a condition appear to be a pre-existing condition resulting in a denied claim. This happened on 3 different situations. Claims are oriented around a single visit - requiring submission of multiple claims for the same medical issue if/when followup visits are required - without the claims being linked. There definitely is a learning curve in claims submission. Because there are no specific billing codes (as there are with a human medical issue), there appears to be a tendency of linking any issue with a body part or system - and therefore considering it a pre-existing condition. I now have 6 claims under appeal. In hindsight, I am not sure I see enough value in the program, and should not have renewed my policy.

Submitted a claim about 45 days ago and still haven't heard from them. You can't call them (wait times are 45 minutes!!) and they do not respond to emails. I view Embrace Pet Insurance as nothing more than an elaborate scam, certainly insurance fraud. I will be filing a complaint with the Ohio Commissioner of Insurance (the state of Embrace Pet Insurance domicile) and the Better Business Bureau.

I am still waiting for my reimbursement from my pet's bill. I was told it was in my checking account but it has never been deposited. I have emailed and it is still not resolved. Very dissatisfied with the service from your department.

I sent in a pre-surgical authorization before surgery and it was promptly approved. Once the claim was sent in, they paid within 10 days. If I ever needed anything, I would call and get help from professional and kind staff.

Things worked out well. There was a "bump" or two, but after communications I am happy with the results and the services that Embrace offers. My confidence is reassured and look forward to a continued great relationship as my pup's life proceeds.

Embrace did overturn their decision on the appeal and covered Otter's claim. I am leaving a four star-rating to average out to three stars, as I am pleased the claim is covered.

So basically, if your dog is totally fine and pulls a muscle from running around one day, they will deny your dog coverage as PERMANENT PREEXISTING ILLNESS AND WILL NEVER, REPEAT NEVER, cover any claim from there on out. DO NOT GET EMBRACE. On top of that, they make you pay over $500 TO CANCEL THE INSURANCE! I’ve spent twice the amount of money paying for insurance AND paying for medical expenses that aren’t getting covered becasue of the damn “insurance”. You are better off just putting away $80 a month into your own savings account and using that money later becasue you will be spend TWICE the amount paying for insurance that WILL NOT COVER OR REIMBURSE YOU and you still to pay the vet bills becasue the insurance won’t cover it.

Make sure your pet has 12 months with a clean bill of health (that can be proven with records from your vet) before you apply otherwise any preexisting condition and ANY "clinical signs" (meaning anything that could potentially be attributed to the preexisting condition, even if it's caused by something else) will be used to deny your claims.

Embrace has raised my premiums from $500 to $900 for the same service, how, why, wait what?! Honestly just avoid these charlatans. I was astonished to learn that after being a customer for the last two years, having never missed a payment, and making maybe 1 claim for a belly ache for my pup, and Embrace rewards me by doubling my premiums over the last 2 years. BTW I went online to get see what a new quote would be as a new customer, and you know what the price was? You guessed.. it. $500 for a new customer for EXACTLY the same service!! This is a despicable practice, and I wonder how many other embrace customers (victims) are falling into this trap. They have auto-renew on your account, and when you try to call them to ask questions or cancel their customer service team is never available to take calls, but if you call the sales line number they answer IMMEDIATELY!

My experience with Embrace is 100% positive. My policy has paid for itself many times over. I would recommend Embrace to anyone who wants a policy for their pet. Their customer service representatives are the best.

First pet insurance company I have had. I will be canceling them as soon as all of my claims are processed. They are constantly needing invoices on claims that have been submitted numerous times. It is a complete hassle and unneeded. I am very disappointed.

My cat Flash was sick and Embrace covered the medical and prescription charges and I am very satisfied. My only complaint would be that it took a long time to get reimbursed. His symptoms were not listed on the website choices so I had to fill in what was wrong & I think this is why it took so long. Loss of appetite & weight loss should be listed.

Took 2 months to complete my cat history and then they’re denied me saying that she has a pre existing condition. Then they’re denied me too to have a dental cleaning with the same excuse. I close the account right away after that.

Embrace pet insurance was SO worth it. The price to payout ratio was incredible. Our cat, who we adopted at 14 years old in perfect health, developed a severe oral disease that caused ulceration and lesions to develop on her tongue. I had gotten pet insurance for $34/month just as a precaution since we developed a senior cat. I am SO thankful now that we got Embrace. After our first year we added wellness rewards and paid $82 a month. Ultimately after over a year of fighting, our cat gave up and had to be put down. Embrace covered her euthanasia, cremation, and keepsakes 100%. Embrace is a wonderful pet insurance company.

I could not be happier with Embrace Pet Insurance. My yorkie was mauled by a pit bull and required emergency surgery. She had a ventral hernia (her intestines were ripped out of her abdomen) and necrotic bowel from the dog bite which required a bowel resection. It was an awful experience and very traumatic. I was so relieved when I remembered that I had a pet insurance policy. The representatives were very friendly and guided me through the whole process. I gave 4 stars instead of 5 because it took a little over a month to get reimbursed. I wish that happened faster. Overall, highly recommend. Accidents/Injuries are costly and pet insurance is a must!

Something very odd with this insurance. I priced out the insurance with a particular state where I am currently living. We plan on moving to a different state in a month. The new address was no more than 5 miles away in the boarding state. Vet prices are cheaper in the state we moving to. The premium doubled by going 5 miles away. The agent could not offer any explanation on this. No manager would talk to me. Just crazy. Forbes listed them as best pet insurance for 2022. I disagree. I spent so much time researching pet insurances. PetsBest is certainly better than Embrace. However, I like Trupanion since the premiums don't skyrocket as your pet ages.

Our golden retriever fell through the deep snow trying to get to his favorite ball and badly injured his right knee. He needed to have tplo surgery to repair the injury and get him back to functioning and using his right leg again. Embrace has been very helpful in assisting us with any questions we had about filing the claims and reimbursement was very quick with no hassles. We're very thankful this service was available and have already recommended embrace to 4 of our friends.

I've had to submit multiple claims for my dog who was hospitalized. The claim submission was easy and the review prompt. Payment was also prompt and I appreciate direct deposit. Overall, very pleased with my experience with Embrace. Only complaint is I wish I could submit more than one invoice per claim, since I've gotten several bills all for the same illness.

I purchased this policy March 2, 2022 for my two Frenchie puppies. March 15 one of my puppyie's eyes was injured while playing with her brother. I was able to take her to the Vet March 20, 2022. The eye specialist indicated that her descemetocele ruptured because of the injury to her eye and that it needed to have surgery right away so that her eye could be saved. I submitted a pre certification claim which was denied.

After not having insurance on our first dog "Buddie" and spending in excess of $5K we decided that our current dog "Noodles" should have insurance coverage just like her parents. Embrace responded brilliantly on our recent claim. Processing and turnaround time was second to none and the refund we got was instant upon billing that was submitted. Embrace has made all the difference in the world and left us wonderfully happy. We highly recommend having Embrace as your insurance choice for your four legged family members. Joseph R. **

The pre-existing conditions determination seems designed to exempt Embrace from any liability at all. For instance, our GSD was exempted from "vomiting" -- which is a SYMPTOM of many possible conditions, not a condition itself -- for a year. We fear this has the effect of discouraging pet owners to seek help for vomiting that could be from a completely new disease or illness, unrelated to the one identified in the pet's medical history. This is just one example of an irresponsible use of the pre-existing conditions policy. We have had several with our two pets.

I research and compared every pet insurance company there is and finally decided on Embrace because it seemed the most trustworthy and inclusive. I didn't expect to need it but after my cat of 15 years suffered horribly and died from cancer I promised myself I would get insurance for any pet going forward. Well, Embrace has been a lifesaver with my kitty who ended up having a rare bone disease in a location that causes tremendous complications. We're still working through it but if it weren't for Embrace, I'd be in major debt, probably divorced and would have likely lost everything including my little love, who is full of life, despite his condition.

We have been getting quick turn arounds on payments due to the enhancements on the web site that made filing claims a whole lot easier. However, cost of insurance is getting too high (more than mine).

I recently filed a claim for my dog's illness. I had help from Embrace Customer Service and the process was easy. The claim review was quick and fortunately the illness was covered under my policy. I am impressed and I would recommend Embrace to my family and friends.

Recently My dog Jake was diagnosed with Pancreatitis, and I sent in the bills online, which was very easy to do. You have a great website. Within a week I received a check. I would highly recommend your company to any of my friends.

We researched and spoke to a lot of people, including veterinarians when selecting a pet insurance. Ease of submitting a claim was very important. So far it has been a very simple process. I had to submit 3 separate claims and was done in a matter of a few minutes.

I am new to Embrace and this was the first claim I have submitted. It was for my puppy's first wellness check and vaccines. I feel that the process of submitting my claim was straightforward. We will see how well it goes as they process my claim.

I have had Embrace insurance for years but only started submitting claims. I am still shocked at how easy it is. You guys have been by my side through my dog’s incredibly difficult chronic illness. I will recommend you to every single person I know.