Embrace | Pet Insurance Review

Easy to submit claims but there aren’t a lot of choices for a diagnosis. And I don’t understand why it should take longer.

Confusion set in but it turns out to be not complicated. So, the 4 stars is a beginners experience.

They did okay for awhile. I received about $2500 last year in reimbursements on my $10,000 policy.. so they went ahead and raised my rate by over 2x / 100%. From about $150 per month to about $350 per month!! In one year for barely using the policy.. highway robbery..

I've been using Embrace for about 8 years. It's been great as far as having the easiest submittal procedures. Their rates are very reasonable compared to a lot of other pet insurances. One thing that sometimes irritates me a bit is that the website is slow. Little 'space dog' sometimes takes his sweet time in changing pages. Otherwise, no complaints!

I have had Embrace pet insurance coverage for 2 dogs and 2 cats over the last 7 years. I did not find coverage for the cats worthwhile so I dropped them from my policy. I also did not find the Wellness Program worthwhile as it's basically a "savings account" specifically for pet use but if you don't use it all (like FSA funds), you lose it. It was frustrating to see my coverage increase substantially as my dog aged, but whenever I needed to use the insurance, Embrace came through. The claim submission process is super easy and when my Sparty's time with us came to an end, the Embrace staff was incredibly compassionate. Cancer took my best furry friend rather abruptly, but the outpouring of sympathy was much appreciated. Thank you, Embrace.