Embrace | Pet Insurance Review

I have had Embrace on all my dogs for over a decade. Sadly, it is time to say goodbye. Two premium hikes in a row make it unacceptable at this point. A 35%, over $1200 increase this year alone, plus the steep increase from last year puts my two pets at over $4000 a year, that is what I pay for homeowners insurance and certainly have a lot more coverage than $10,000 per pet. They have covered my dogs well for the most part, always some reason not to pay a claim but all in all have been good and fair in the coverage department. I just cannot stomach the high price any longer. I can stick that 4K in an investment and roll the dice at this point. I have researched other companies, one of the dogs I can switch, because he has no pre-existing conditions where they could deny a claim. Not so much for my senior citizen, she is stuck and I will have to reduce coverage percentage and increase the deductible to the maximum and see where it ends up before I cancel. That is all I can do, but it just doesn't make monetary sense to pay for a policy that costs a quarter of what the coverage is per year. They told me I can adjust the amounts of coverage online, but that is not the case. Only way I can see the numbers is to call them and go through it, when I asked for an email of the breakdown and options/cost of different levels of coverage that seemed to be a heavy lift for them. It is no longer worth the price. I paid them way more in premiums over the lifetime than they have paid in claims. That is for sure, only help it has been is not having to make the tough decision to put a pet down because you couldn't afford the procedures needed at that particular time. Now, I will just wait and see what happens and put it on a credit card if necessary. 11/26 Reply from Embrace. Apparently, they didn't pay attention to what I had to say. I already spent the time and energy and was not provided the information I requested. What more needs to be said. I feel they just want me to go away because I have a dog that is 13 years old and now it is time for them to start paying. Even though they have collected premiums for those 13 years she is now just a high risk. I know insurance and actuarial calculations, the fees are just too much for what you get. Plain and simple. The rent is too damn high!!

Price is competitive against other quotes I shopped for. Wellness plan seems like a great deal. Ultimately I didn't purchase. I asked Embrace to review/advise if a particular matter would be deemed pre-existing or not, I also provided up to date medical records from my Vet to support the request. Their stance was they would not review medical records to advise on coverage until after I buy and wait for the 14 day waiting period. I get that things can come up between date of purchase and day 14, but my question was just as of today can you tell me if "X" would be considered pre-existing, based on the current records.

I’ve used Embrace for 3 of my 4 cats( the z4th one I adopted when he was 14 so he wasn’t eligible for coverage l). All payments have been made promptly. Any payments not made were explained in detail with the option of calling for more information. Recently, one of my cats was so ill she had to be euthanized. The staff at Embrace were very sympathetic and kind. I have never had any issues with staff with this company. Everyone has always been kind, knowledgeable and sympathetic. I will continue using them my pet insurance needs.

Very professional and helpful

Great Insurance and easy process to file claims