Embrace | Pet Insurance Review

Company is a scam. Costs $200 a month for 4 cats. They will pick out the majority of the vet bills and refuse to pay for them. It’s cheaper to put 200 aside every month and use that for vet bills.

Best in the business. Quick, easy, reliable, dependable, fairly priced. All 3 of our dogs are protected with Embrace. Thank you.

they are quick to payout!

Rates increase at approximately 30% per year and can be more if you have any type of claim. If you ask why, they give a pre-written response regarding rates being reviewed annualy in your area etc...but it's ridiculous. I will never use this company again after our current pets. Last year after a nearly $9000 splenectomy for non cancerous mass, our rate went from $164 per month to $294 per month...a 79% increase!!!! They told me the same thing they did the year before, that they reviewed rates in my area and that's the price. SURE. I'm supposed to believe that it had nothing to do with the fact that I made a $9000 claim. 2020 - $86/mo 2021 - $121/mo (40% increase) - had a surgery prior year 2022 - $145/mo (20% increase) - no major claim prior year 2023 - $164/mo (13% increase) - no major claim prior year 2024 - GET READY..... $294/mo (79% increase) - MAJOR claim for life saving surgery around $9000 That's a 241% increase over the last 5 years. 48% average annually. Appalling. I'm seeing a very clear pattern. Make a claim, MAJOR rate increase. None or very small claims, average increase around 30% per year, Sometimes less. They have NEVER reduced rates, EVER. ONLY INCREASE year after year and exponentially. I am shocked that USAA teams up with this shady company. Worst of all, we can't switch because the current covered conditions would no longer be covered with a new company so we are stuck with them. Make sure you file EVERY claim and MAKE THEM PAY. The only good thing I will say about this company is they do actually pay - so they get 1 star. But at almost $300/mo, that's $3600/year, it might just be better to start a high yield savings account and hope for the best. Wheres the insurance commsion? I don't think pet insurance is regulated or at least not regulated in any responsible way. Crooks.

My wife and I have been really impressed with how fast and responsive these people are. It makes the situation better knowing you won't have to fight to get help.