Embrace | Pet Insurance Review

Wait time on the phone before someone pick up is out of proportion

Embrace has processed my claims efficiently which is a relief as I am dealing with an aggressive cancer in my beautiful Bernese Mountain Dog Beau. I have used Embrace for my last three dogs and I am grateful to have their service and support during heart wrenching health issues and times with my beloved dogs. I highly recommend Embrace to my friends and family. Thank you Embrace for making a very heartbreaking and stressful time, more bearable.

We've been incredibly grateful for our pet insurance. The team has consistently demonstrated exceptional support during emergencies, making a stressful situation much easier to navigate. Their prompt responses and understanding approach have been invaluable to us and our beloved pets. We highly recommend this insurance for anyone seeking reliable and compassionate care for their furry family member.

This pet insurance is not a good value for the money and the relevant terms and conditions are not readily available for the average consumer. There are significant limitations on the procedures covered and the deadlines to submit claims that one cannot identify without closely reviewing the contract. I submitted a single claim as a policy-holder and it was denied (preexisting condition). That didn't stop Embrace from unilaterally raising my monthly premium over 150% percent from my starting coverage. Embrace also applies a seemingly arbitrary geographical analysis to justify the cost of raising/fluctuating premiums. The only reason I didn't cancel sooner was because I wasn't able to actually "manage" (cancel) my policy through the online portal. I spent thousands of dollars on this invisible product and regret that I didn't spend that money directly on additional veterinary services.

I have to say that I first called them to give them feedback before writing this and there was no way they could share that with the right dept and they actually didn't seem to give a S*j@&!!! I had their insurance for almost 12 years for my elderly dog and when I called to cancel as she had passed away the way in which the call, the transferred call and ultimately my experience made me want to slam them in public! I'm not doing that but if you are looking for pet insurance I would avoid Embrace! The customer service team is desegregated so someone in sales can't help you and they pass ya around from one department to another with cold transfers which means you spend a lot of time repeating yourself. When my dog started with the policy it was reasonably priced and my the time she was 14 it was over $ 400 a month!! This is NOT the loving caring company they pretend to be and when compared to other companies like Chewy who I paid far less over the years their end of policy due to a pet dying was HORRIBLE! Just consider other companies - I strongly do NOT advocate for Embrace Pet Insurance!!!!