Embrace | Pet Insurance Review

One of our dogs got aspiration pneumonia. He didn't make it, but the fight for his life was about $12,000. They paid according to our plan. The first time you submit a claim on a pet can take a little longer than you would want, but we had our money within a month. Was so thankful we had the policy and they didn't give us a hard time using it.

Horrible experience! I was a customer for 7 years with hardly any claims. They charge me $265 a month for my two dogs. My golden had a major illness and the bills were over $1,000. Because they have such a strict deadline for turning in claims (which aren’t clearly defined, more like “fine print”) they offered me NOTHING. Due to my disappointment, I called everyone I had referred to them, every vet I’ve worked with in three different states, and will scream from the rooftops how horrible a company Embrace. Resolving my issue would have cost them maybe $500 at most. Two months of my premium. Silver lining…many better companies for lower rates out there. Thank you, Embrace. I would have never known how badly you were gouging me monthly had you not screwed me over.

Good variety of plan options. Amazing customer service and extremely quick claim turn around times.

After 12 1/2 years, you doubled my payments from 190 to 359. I have two Poms, and only one of them had an issue 11 years ago, and the total cost was less than 700.00. In the economy we are now in, how can you justify doubling my payment?

Horrible, my veterinarian office has submitted everything I’ve been with them since my dog was a puppy and they still never reimburse us for anything. We spend 100$ a month and nothing in return . Long claim process and never end up covering anything . Horrible customer service.