Embrace | Pet Insurance Review

I want to love Embrace, but the rates at which my pet insurance has increased over the last 6 years makes it an exceptionally poor investment. By all rights, I have had very few (and all rather low-cost) claims, but the annual rate has gone up over $2000 (yes, you read that right). Meanwhile, a quote on a new policy with Embrace would cut the cost by over $800 (with no exclusions / no pre-existing conditions). Yet, they refuse to provide continuity of coverage at the newer member rate. The long and short of it is, you’re penalized for staying with them over a long time, and their customer service, while wonderful, is not worth being taken advantage of as they bank on customer inertia and fear of switching to make $$ on our lovable furballs. Truly unfortunate. Save your $$ and go with another company that will provide comparable (or even better!) coverage at a more reasonable rate.

Davon was super knowledgeable and super friendly to talk to. I appreciated his guidance as this is a product/service. I have never purchased in the past. We are considering doing so but wish to speak to our vet first. Thank you.

Well, after filing 3 claims for a total of $6549 for my cat’s intestinal blockage, I patiently waited for the 30 day wait period on a first filed claim. I have an unlimited policy covering 90% of the costs. I have to admit that after reading some of the negative reviews on here I was worried that Embrace could possibly reject my claims even though I followed all the rules and regs in regard to medical history and what’s covered and what’s not. Exactly 30 days later my claims were all processed, approved and completed and 3 business days later $5680 was deposited into my bank account. What a pleasant surprise Embrace truly is. If you follow the instructions you have no issues with your claims. All the different reps I spoke with were truly empathetic, knowledgeable and easy to get hold of. Embrace was everything I was hoping for when I purchased my policy!!! I highly recommend this insurance as vet bills can add up quickly!!

they lady that helped me ws very helpful

This year they are more than doubling my insurance premiums!! For no apparent reasons but "the vet bills increase in the US these days" and “your cat is getting 1 year older” . I don’t think it’s a good reason to double an insurance premium . AND they had already increased it the past year. What is it gonna be next year? triple? Also they don’t cover prescription food- Only prescription medication- Beware!