Embrace | Pet Insurance Review

Began my policy with Embrace back in 2019 with a few month old chi/terrier mix added a pet in 2023 ….same chi/terrier mix breed and she was 7 months Insurance for both pets per month was $51.32, 2024 raised to 66.84, 2025 raised to 72.34, 2026 nearly doubled to 129.60 with a 7 and a barely 3 year old. I had a $500 deductible with a $10,000 annual max reimbursement at 80-90%, both dogs no pre existing conditions. I’ve never used my insurance. I found the Spca does a vaccine clinic at our local Petco so that’s where we go for discounted vaccines, exams, and prescriptions for heart guard which I have filled at Costco as it’s been the cheapest option I found. I called embrace and was very transparent and let them know I obtained a policy quote with Pets best for $63.41 monthly with the same deductible, reimbursement percentage however the annual reimbursement amount was unlimited. Embrace was willing to work with me, but the best rate they could give me involved creating a brand new policy with a $108. Monthly rate, a $20. Difference after years of business! Disappointing to say the least. I’m glad I didn’t just trust my annual renewal and that I took the time and did some shopping. I’ll be saving $45. Monthly and $540. This year by dropping embrace and switching to Pets best even with a dog 6 years older and 2 years older. Take away, Embrace rates have doubled and you can find more affordable plans. I imagine the number of consumers that do switch “their” premium will be covered by those who stayed (not knowing any better) while embrace has less coverages and less liability. When someone raises your rates, ask why and shop around. It can be better.

Terrible product, incredibly expensive. I honestly am angry at myself for sticking with them for as long as I did. Don't make the same mistake I did. Just figure out what your monthly fee would be with them, put that into a savings account, and boom - you have 100% better insurance than anything this company provides.

Called about a concern I had regarding a new claim customer service.Got the earrings.As for me that I needed and was so understanding and polite. Customer service is a key reason for any business to stay Good, and they definitely are doing it

I have had a wellness claim pending ever since December for one of my dogs. The company kept asking me for verification of a heart murmur that supposedly occurred June of 2023. My pet was not born until October of 2023. Once I had that cleared up they came back with required verification for a sedative that we give our boy for hyper activity. I would not recommend this company to anyone.

The people at Embrace are easy to deal with and customer service is always great. The policies are very adaptable and response time is quick. I had a serious issue with reimbursement but they fixed the problem instantly and made sure I got the correct solution. Peace of mind for my dog who seems to find trouble in off vet hours—so worth it. Thanks Embrace.