Embrace | Pet Insurance Review

Great company. They have been a lifesaver by helping us save a lot of money. It is very simple to submit your reimbursement claim which they promptly process. I have not had any issues with Embrace. I have been a member for approximately 5 years. 👍👍👍👍👍

My dog was quite sick and ended up with a vet bill ov over $600. Instead of worrying about the expense, I was able to focus my attention on my poor dog. Thanks to prompt vet care, he is doing much better. Now all I have to worry about is getting him to swallow his medicine.

When our dog swallowed a nail, I was so glad we had the insurance.

My policy was missing an endorsement that would have allowed me to get reimbursed for getting blood and lab work done. So when I went to file a claim it was denied and I was advised I needed to add this endorsement for it to be covered. This endorsement doubled the monthly cost of my policy, which made me a little sour on maintaining Embrace as my insurance carrier. However, the reason for the 1 star review is for a recent phone call I had. Due to the price increase I shopped around and I decided to cancel my policy, and the cancelation experience was quite poor. After a 15 minute que time calling in (since you have to call in to cancel) the CSR was very clearly uninterested to assist me answering the phone. Then when I advised I was switching policies the tone shifted dramatically and they asked "Please tell me it is not Lemonade?!?" in frustration. I stated it was indeed Lemonade. They then aggressively advised "Don't do Lemonade they suck! Their coverages are worse than ours! Switching to them is just throwing money away!" I responded with I appreciate the concern but I have already started the policy, I just want to cancel this one. They then quickly processed my cancelation advised me of my refund and hung up on me. I understand the attempt to save my business, but this just wasn't the way to do it. Simply bashing the company I'm switching too and not inquiring as to why I wanted to switch and creating value for me to stay at Embrace, just immediately put a bad taste in my mouth. The CSR's attempt, though directed at Lemonade, felt more like they were attacking and questioning my due diligence, which of course all but cemented my decision to leave. I see Embrace has many high rated reviews on here, but I hope that if they want to maintain that reputation they continue to develop their phone CSR's and maybe someone else doesn't share in my experience.

Our experience with embrace pet insurance has been nothing but positive! Customer service is great fast and efficient, turn around time for reimbursement is quite quick and the entire plan just makes life so much easier when you have pets.