Embrace | Pet Insurance Review

We have had Embrace Pet Insurance for over 15 years and have been extremely satisfied with their coverage and wellness plans. I highly recommend them for all of your pets.

Avoid at all costs! They increase rates by as much as 57% every year for a single healthy young pup. When you do file a claim, they often deny giving an accuse that the itemized bill isn't legible, when anyone with normal vision can read it perfectly fine.

I had a terrible time with the online system today. I had three claims to submit and had to do each one smore than one time as something always popped up and caused a restart. Also, the menu for the hospital names jumped a few times causing me to select the wrong provider and having to go back and try again. Not a very good experience today.

Our cat has cancer and embrace has covered literally everything from procedures and meds - with no questions asked for a year and a half. Our little one’s issues started coming up just a year into our policy and they renewed us a year later with only a tiny bump in premium after reimbursing in the 10s of thousands of dollars. They’ve given us precious time with our too young little girl and made a very tough time a lot less stressful. I constantly recommend Embrace to every pet owner I know.

Pretty good customer service. Turn around time for reimbursements generally quick. The problem is the high increase of premium this year. GSD 8 years old. Pretty healthy overall. I believe that since he gets monthly shots and needs checkups for arthritis they increase payments more. Premium was raised almost $100! We had to greatly decrease our coverage for him to be able to afford it. Went from $200-$500 deductible. Dropped max yearly from $10,000 down to $5000. Went from 90% payback down to 70%. Seniors on a fixed income but we may end up not being able to keep up payments. They will do the same thing to us next year! We have it in case of emergency too, but it seems we are paying more than what we would pay out for him without this insurance. Also they told me once we decrease we cannot increase again. Well, who can afford to anyway. We are being penalized for actually using the insurance we pay for. It's not right! We will not refer anyone to Embrace! We feel price gouged in a big way... no matter Embrace's reasoning for it. When it comes to dog insurance or groceries it is time to cancel. Hence the 2 stars.