Embrace | Pet Insurance Review

This company took 300$ a month from me for years until I had 1 issue and they found a way to link any payout issues as pre-existing conditions so they never have to pay out ! Do not trust these people with your pets ! Or your future this is a policy that doesn't pay out ever !

I just cancelled my policy for my dog due to a huge increase in the monthly payment. I had been a customer since 2019 so almost 8 years. If I could upload pics here I would show proof. My policy online shows my payment should be $51.51 per month. My credit card got charged $75.82 every month. I got an email that my plan renewal NEW monthly fee will be $134.68! In my entire 8 years I haven't had a claim pay out more than $400, because I have a healthy dog who doesn't have accidents. Absolutely outrageous and disappointing. While on the phone today with an Embrace representative, she suggested that if we started a new policy for my dog, with a waiting period, with new updated pre-existing conditions, that the policy could be cheaper. I explained to her that as a loyal customer that option really just FEELS wrong. It is wrong to not take care of your customers. I hope this review prevents at least a few people from using this company. Company ethics are important.

I’ve been with them since I adopted my dog I believe now 3yrs ago. For the most part he’s been healthy except for a couple times when he got into a coffee pod which required an emergency vet visit which was quite expensive I met the deductible and they paid quickly. Their customer people have always been very friendly and helpful. I did have to lower my reimbursement rate due to the higher rate increase. I do like the wellness policy as it covers all his vaccinations and even his dental chews. I know what to expect from Embrace and will keep them.

We have had both our boys covered by Embrace for several years now. Their agents are quick to respond, and I appreciate being able to speak to a real human being every time I call. Claims are usually processed within a day or two, and my refund appears in my bank account just as quickly. I had a glitch with a claim a week ago, but they think it was a technical issue which they are working to correct. Meanwhile, my claim has been processed. I can confidently recommend Embrace to pet owners.

I was a customer for 5+ years. This year my premiums went up to over $1,000 a MONTH for my three pets. It's always been around $150 monthly. My premiums are more than the payout could ever possibly be if something catastrophic happened. That makes no sense that I am paying them more than I could even hope to recover IF there was an incident. Called 3 times to resolve this only to be told the numbers are correct. That's insane! They were easy to work with up until this.