Embrace | Pet Insurance Review

I been an Embrace customer over 10 years. They are the best. My two Boston Terriers passed and now I have a Mini Golden Doodle. I had several companies asking me to join but I said no. I came back to Embrace. I will refer them to my family and friends

Good. Very good.

Poor value for the money. I bought a policy when my dog was a puppy, thinking it would be a prudent move after spending a fortune on care in my last dog's final year. However, I've never had it cover a single thing. In my dog's first year, he had a few minor issues - an eye infection, giardia when he flew over from Europe, some tummy upset. Just like children, dogs get minor illnesses as puppies. They're hardly "chronic" or pre-existing conditions. If I have diarrhea after eating food that disagrees with me, it isn't a pre-existing condition. The last straw was when my policy renewed this year. My premium has now almost doubled since I got it. My dog is only 3 1/2. For a few dollars more it would now be as much as my own monthly health insurance premium. This is unacceptable. Who can afford it? If it's this high at age 3, what will it be when he's 6? I may as well just open a savings account for a rainy day fund. But worst of all, shame on Embrace for making it difficult to cancel the policy. It cannot be done online and you have to call and sit on hold. Then, despite making it clear that I could not be persuaded to keep the policy, I got cold transferred to a "retention rep" who also tried to get me to keep the policy. They're just doing their jobs, but it's tacky as hell and really off-putting and cringe. Do better, Embrace. What a waste of three years of premiums. I got nothing for my money. Absolutely nothing.

Great service

Format seems to have changed... and not for the better. The last couple of claims I've filed don't include a place to add the veterinarian's notes (which I have scrupulously collected per visit). What I know is that this will delay the processing and reimbursement dramatically, because Embrace will now have to contact the vets and get that information. WHY the change? Also -- much longer processing/reimbursement times than my previous insurance company. I left that one only because my vet isn't tech savvy, and she likes Embrace. The delayed reimbursement (weeks instead of days) adds to considerable financial strain, when we're talking about 1000s of dollars. Frustrating!!!!!!! Hire more staff to handle the increased volume, maybe!?