Embrace | Pet Insurance Review

Michele was wonderful in assisting me to set up my new pet up with insurance and was able to answer all of my questions. 10/10 on the set up/start process, I hope the remainder of the service matches.

We have 2 dogs and 2 cats insured since 1/2025. In March of 2026 the system keeps asking us to provide medical records prior to our ownership! When we signed up in1/2025 we where asked to take them in for exam and we did and sent in all required examinations papers. Several claims went through without problems, until this strange request. We called in and the request are still coming.Please fix this

Absolutely disgusted it with this company. I have paid every single month for both of my dogs for the last five years. I’ve never filed a single claim. I recently called to verify my coverage and to find out if I could reduce my bill because of financial difficulty. At the beginning of the call she verified my address and found that it needed to be updated as soon as she updated my address she told me there was going to be a $50 a month increase to my bill just because of where I lived. They’re already increasing my premium, the annual, which would be an additional $20. So now instead of being able to save money, they’re charging me $70 more a month just because of the update to my address.I called back concerning this because I found it to be really disheartening that a company that I’ve been loyal to and paid my bill on time every month and never used my coverage would not be able to reduce my bill unless I changed my coverage to a plan lower coverage than I was comfortable with. I spoke to three individuals and was escalated to a supervisor trying to reason with them. why a loyal customer could not be helped beyond reducing my coverage. Each time all they told me was, there was nothing they could do but reduce my plan as someone whose family is in the service, which is the only reason why I had to move to a different demographic not because I wanted to live in a more expensive neighborhood or that I could afford to do so this is absolutely disgusting. The only other option I was given was to restart my policy with erasing the last five years of what I’ve paid in my coverages to a new plan could reduce my monthly bill. but it would also take away any coverage for the next six months for all major medical issues. Leaving me completely exposed if anything were to happen to my pet for six months. Why could a new customer just starting their plan Have a more affordable monthly cost than someone who’s been paying for five years? Ultimately, I will never do business with them again I am a part of a multitude of dachshund Mom Facebook groups and I’m very active in the community and I have always recommended Embrace Insurance because of that. Now I will be actively recommending against them if this is how they treat their customers. I’ve also worked in the Dog industry for the last 20 years and recommend them not only to my friends and family, but my clients and now any recommendations that I’ve made, I will backtrack and withhold because of this experience. I hope you seriously read the reviews from this company and find other insurance companies to trust your pets too because the lack of caring and ability to help their customers is absolutely abysmal.

The Cost keeps going up barely used the service and we been with you guys for a few years now.

I sent in a receipt for my dog's medication and it was approved. I have been so happy with the insurance and to know when there is a claim, it is covered.