Embrace | Pet Insurance Review

We adopted two kittens, both of which I signed up for insurance two weeks before my dog's existing policy was set to renew. Due to that existing policy for my dog, the two cats' policies went up by over 20% on the same anniversary date as the dog's policy. This is a huge oversight on Embrace's part. Each pet should have it's own anniversary date when premiums rise. The way it is set up now is unnecessarily penalizing existing customers. I called in to request that they honor a year on the quoted premium but they could not do it and could not provide any reasonable explanation as to why my two new kitten policies should have to renew at a much higher premium just two weeks after their policies were created. This is asinine.

Embrace has been easy to work with on all the claims I've unfortunately needed to put in for my dogs this year. Turnaround time is quick, and talking to their customer support representatives has always been a pleasant and helpful experience.

I didn't have any claims, and Embrace increased my renewal cost by 27% in a single year. As a result, I cancelled my coverage.

I just purchased Embrace Insurance/ Wellness for our great Pyrenees puppies, Bodacious and Charcoal. This was my first claim filed, and it seemed so easy! I have talked with agents, and they were very helpful guiding me to the right coverage. I am new, but I would recommend Embrace to all those who have fur babies. I already have spread the word!

We've had an Embrace policy for awhile and luckily, didn't need to submit any claims until now (3 years in). Our dog came down with pneumonia this weekend which led us to the ER. Embrace covered the agreed upon 90% of costs, but we were most impressed that the claim was handled with 24 hours. We were refunded within 2 days. We appreciated the prompt attention and are glad that we have a policy with Embrace!