Embrace | Pet Insurance Review

My policy renewed a few days ago, and like many other reviewers here have said, prices skyrocketed this year! My healthy 7 year old chihuahua mix has been insured by embrace for 3 years now. In those years I have submitted 2 claims; a tick bite and a scratched eye. Both were in the same claim period (near the end of the first year of coverage). After a VERY BAD first claim experience (see previous review), I was eventually reimbursed for the amount over my deductible. I wasn’t too surprised when my renewal cost went up that time, but it was reasonable.. less than $10/month. I adjusted my deductible to keep cost down and haven’t needed anything from embrace since. Imagine my shock when my renewal went from $55/month to $79/month!! In the renewal email embrace strongly recommended decreasing coverage to keep cost down! And THERE’S the racket!! They gladly offer affordable coverage to hook you and then once you’ve gone through the waiting period they hike prices and use the threat of having to suffer waiting periods if you decide to leave! Instead they want you to stay, but they also want you to significantly DECREASE coverage so they are off the hook should you actually need to be reimbursed for something expensive! It’s not so much that they want more premium money monthly, it’s that they don’t want to pay too much, thereby negating the actual POINT of having insurance! When I called to adjust coverage again the friendly agent suggested keeping my deductible the same but cutting reimbursement limit by 33-50% instead!! I almost agreed, but instead asked what my cost would be to keep all coverage the same but increase my deductible; I explained that having to pay $1000 before getting coverage each year was better for me, since the point of insurance is having BIG expenses covered if they happen. Surprise surprise! My premium is even LOWER than before, and you better believe I will use the opportunity to find better pet insurance and be done with the embrace scam before next year’s renewal! Since $1000/year is the maximum deductible they allow (which I find strange), starting next year my only option will be to decrease coverage. No thanks, embrace!!!

First time I have used the insurance and filed a claim. It was very easy. Fast response and approved my claim with in 24 hours. Very happy.

Submitting the actual claim was easy BUT you are required to select a diagnosis as part of the claim process. I feel like the options you have to select from all correspond to pre-existing conditions which could potentially result in your claim being denied without an actual review. I hope I’m wrong.

Your company takes great care of our pets. Great customer service

Easy to submit claim - first time for me.