Embrace | Pet Insurance Review

We had embrace for two of our dogs, about 11 years. I am very grateful we decided to get insurance for our 2 Great Danes. The claim reimbursement process is really fast and easy. There was one claim they denied, we spoke to them on it and they changed their mind. What I did not like (and I know all of us with all insurance can relate) is that my 2 dogs started with Accident & Illness plus Wellness for $75 for 2 dogs. Then as time went on the premiums would increase some years by 125%. Initially I canceled the Wellness to account for my budget and the increase. But year after year the increases were eye popping and if not at that 125% amount very close to it. I was so sad because we had paid for the insurance all of the years but finally with my one girl left they wanted to charge me $600 / month. I just could not afford it. So in the end, when I really needed insurance they astronomically raise my rates to get me to leave the plan (that's how I viewed it). Now that I am looking at getting another dog I am researching other companies. Had Embrace not done that at the end I would have used them for my new dog without question. So again Started at: $75/month $800 deductible 80% reimbursement 2 Dogs Wellness, Accident & Illness To: 2 Dogs with above Removed Wellness Escalated over 8 years to $450 /month Then: 1 dog passed 1 Dog with Accident & Illness $600/ month (when I finally had to cancel my policy because I just could not afford it.) 2 dogs $75 ending with 1 dog $600 1500% increase in monthly premium (and removing the wellness benefit)

My yearly premium has doubled and the healthy pet discount went away.

I HAVE EMBRACE THROUGH USAA INSURANCE. IT'S BEEN A TERRIFIC POLICY FOR FIVE YEARS IN TERMS OF SERVICE AND RESPONSIVENESS.

I will leave my review for my never ending appreciation for Embrace. This is the seventh year I have had them and can't imagine a better insurance coverage for my GSP. Embrace has always been there for me and I'm so glad I chose them. They pay in an exceptional timely manner and when I've had to talk to any of their representatives, it's refreshing to know that they still know what Customer Service is all about. Thank you for all the support for the last seven years (and hopefully many more)!

Do not like the fact that I've had a policy 4 over 2yrs n hav yet 2 receive 1 dime bk frm Embrace! But $136 is being deducted out of our act. EVERY MONTH!!!!!!!