Embrace | Pet Insurance Review

I have personally had a great experience with them. They've always paid claims when they were required to, and were fair about explaining when a claim was not covered for whatever reason.

I’ve been a loyal Embrace Pet Insurance customer for 16 years, insuring six different animals through them. Over that time, I rarely used the insurance, but I paid consistently, trusting they’d be there when I needed them. That trust is now completely broken. Out of nowhere, they’ve raised my monthly premium from $237.46 to $478.99. That’s more than double. Their only suggestion? Lower the coverage on my 16-year-old cats. Seriously? After all these years of loyalty and minimal claims, this is how they treat longtime customers? I’ve never experienced anything like this before, even with pets that have aged or passed. It feels dishonest, and it’s unacceptable. I’m pulling my remaining pet, Shiloh, off their policy immediately. I refuse to go through this again as he gets older. I’ll be switching providers and removing any positive reviews I’ve left in the past. If you’re considering Embrace, think twice. If anyone has recommendations for a pet insurance company that doesn’t do this, please share. I’m done with Embrace.

Embrace has always been professional, fair and easy to use. This review is for the on-line claim process. It is straightforward and easy to understand. Discissions have always been quick. I especially like the ability to view the invoice once attached.

Not enough diagnosis options for the claim.

I have 2 pets covered by Embrace Health Insurance and it seems like no matter what the issue is, they find a reason not to pay. I never had problems like this with my previous pet insurance company. For example, my dog injured her knee from wear and tear over time because she's extremely active and when she developed a limp, I took her into the vet. Embrace refused to pay claiming it is a skeletal disorder, which is not covered during the 6-month waiting period. When I pointed out this an injury, not a widespread disorder, I was told I need to specify a specific incident/accident that caused the injury if I expected them to pay. It has been a rinse repeat for virtually every claim I turn in for both dogs. I highly recommend you look elsewhere if you want to get your money's worth.