Embrace | Pet Insurance Review

Pet insurance is an incredible resource when it comes to managing the financial burden of unexpected pet-related expenses. However, I’ve encountered a frustrating issue with Embrace Pet Insurance that feels both unreasonable and unfair to loyal, paying customers. The inability to increase the reimbursement percentage and amount on an existing policy without triggering additional waiting periods is unreasonable. This policy effectively turns any pre-existing condition your pet has into a permanent limitation if you wish to adjust your coverage. Additionally it does not consider how accidents may cost more than what the customers anticipated at the beginning of their policy. An embrace representative stated that any increase of policy, regardless of when it’s done will result in current conditions or injuries becoming pre-existing and no longer covered under the insurance. This basically means that you are stuck at the amount you first selected when you initially started your policy. As a paying customer, I find it disappointing that policy adjustments aren’t more flexible, especially when the goal is to provide the best possible care for our pets. While the coverage itself is valuable and reimbursements are reliable, this limitation is worth considering before choosing Embrace.

I have submitted 3 claims and 1 precert. The precert and one of the claims were reviewed and reimbursed within a couple days. The turn around time on the completed precert is still in review 9 days past submission. This claim should have been the easiest to review as the precert was completed beforehand. Nine days is a lot of time for a procedure that was out of pocket over $2,000.

I just turned in my claim, but this is the second claim (different dog), and Embrace handled it fairly. I just turned this claim in, and am pleased with how easily it is to maneuver around the web site.

I couldn't tell you what the payout process is like because I never had to make a claim. YET, my policy started out at $63 a month, the next year was $86, the next year went to $98 and this year they wanted $132 a month. I can't imagine what the monthly charge would be 5-6 years from now when I would likely need to use the policy. I cancelled and just started putting $150 aside for vet bills. If I would have put away $100 a month from the beginning I would have $3600 already and $10k by the time I likely need it.

Embrace has been incredible. Claims are easy to submit, and paid very quickly.