Embrace | Pet Insurance Review

Rates Go Up But Not Benefits - They offer a generally comparable product, however the rates increase every year. At first this didn't bother me as they were only going up $3-4 each month a year, but suddenly it is skyrocketing. Almost a $20 per month increase. I already reduced coverage a few years ago since rates kept creeping up, but it was just too much. You can find the same or better coverage elsewhere for less. Rates more than tripled in the past eight years (with zero claims).

This was my first time submitting claims for both of my cats to Embrace. Their online form was easy to submit the claim. However there was some confusion because of our having moved and changed vets. When I sent emails to clarify which vets provided treatment it didn't seem like anyone read them. I called and spoke with an agent to clarify the situation and then it seems like the information got to the adjusters. So overall it worked out fine but it wasn't exactly seemless.

Ease of claim filing and rapid claim review and settlement makes Embrace Pet Insurance the way to go for professional services for our pets. Been a policy holder for several years now and no complaints from my wife and I on any aspect of the policy and services provided.

Terrible company. Stay far away. I tried to confirm that I had all the paperwork needed in case my kitten ever needed insurance by sending many emails to all the different company-stated contact addresses. Initially I got a vague email stating that they received my info, but asking if they needed anything else, Embrace would not respond (confirm) that all is good. When I joined Embrace, I immediately sent them information from physicals that stated my kitten had a clean bill of health from both the breeder's vet and my vet. In subsequent emails, I asked them many times to confirm that this is all that they needed in case something happened. They initially responded in an email that implied they received all of the documents, but still would not confirm that they have the necessary information. I tried sending more emails asking what I needed to do to get this confirmed and got nothing but crickets. A month and a half later of me sending emails, I send one stating that I wanted to cancel my insurance bc if they cannot answer these simply inquiries, I cannot trust them with my kitten's health. This made them respond (a month and a half later) which they said my info was not enough and needed more (which they never would define), and that coverage could be dependant on what the vets reported. I had enough, no more chances. They wanted to have an out to deny service in the future even though I had proof that he is healthy by two vets. I asked my vet if they have any other way to report clean bill's of health and they said this what they do for all insurances. I can only imagine how they will treat a customer if they actually have a claim bc of this "technique" to not confirm in writing. Stay far away from this company. If they will not answer (and flat out ignore) these questions, they are trying to find a way out of paying in the future. They do not respond to letters at all, but will happily take your money. I suspect the positive emails could be company based. You will be sorry, if your pet ever needs insurace with Embrace.

So glad I have this ins. For my babies