Embrace | Pet Insurance Review

I purchased an Embrace policy for my dog and maintained coverage for approximately three years because I believed it would provide peace of mind and affordable protection as he entered his senior years. During that time, I paid approximately $190 per month and submitted only four claims, none of which were paid. My premium remained relatively stable, so I had no reason to believe a significant increase was coming. Less than 30 days before renewal, I received a one page notice informing me that my premium would increase from approximately $190 per month to $502 per month. No meaningful explanation accompanied the notice. My frustration is not that premiums can increase. My frustration is that I was never given a realistic understanding that maintaining coverage for years could result in a premium increase of this magnitude when my dog reached age 13 and was most likely to need the coverage. Had I known that was a possibility, I would have placed the same money into a dedicated savings account instead of maintaining the policy. Pet owners considering Embrace should carefully investigate how premiums may change as their pets age and ask specifically about potential increases during the senior years. I wish I had known more about that before enrolling.

Never answer the phone. On hold 1 hour 2 days. No response. We register our new puppy but never received a confirmation. They hadn't entered our information for emails or for our phone number when we filled out the forms. Thus, we didn't exist and couldn't get on the website nor see our account! I've sent 3 invoices/claims but no response! Sent several emails with no response. My husband is on hold now for 20 minutes. No customer service. We will go elsewhere.

Ali was an excellent teacher showing us step by step on how to train our dog. He is like the DOG GURU when it comes to reading the dog's personality and needs of how to perform the way we needed her to. He was very articulate in showing us the best ways to handle her. Consistency was a major rule with working with her and us. Practice, practice, practice. He was a wealth of information for any questions we had. Showed us grooming steps such as how to clip her nail etc. He vowed that he would be available for any future questions or concerns we should ever have after training ended for the lifetime of the dog. We can't thank him enough for sharing his experiences and wisdom on training any type of dog you have. He was very accommodating with scheduling training timelines and places to meet in case of bad weather.

For me they have been the best insurance company ! Better then for us human They took care of my $2000 pet bill very quickly I love this pet insurance Thank you Embrace

Heidi was very pleasant and helpful, explaining everything to me, even when I misunderstood or forgot some details. She made sure that I had her direct line so that I could contact her directly in the future if need be.