Embrace | Pet Insurance Review

I only signed up with Embrace because they are working with USAA. To start they gave me a decent price to cover our cat. However after the first year they raised the premium by 40%. When I called to ask why, they said it was because I filed a claim, I said I never have, based on the date I realized it was not a claim but the required information requested from the vet by Embrace to start the coverage. I felt my account was flagged for pre existing conditions and I got the distinct feeling they will not cover my cat if he ever needs it. Cancelled Embrace. Until there is regulation for pet insurance, most people are throwing their money down the drain.

Excellent customer service.

Relatively fast responses to claims. Clear claims instructions. Wish I got more coverage since my cat got diagnosed with diabetes.

So far, I am definitely underwhelmed. I have submitted several claims more than two weeks ago. I received a message that it was pending additional information… They said they needed vet history for the 12 months prior to the claim. However, when I signed up for Embrace, I informed Embrace, my pup was seven weeks old. I have spoken with a customer service representative about a week ago who said they had the information that they needed yet the status is still pending information.

Excellent and responsive pet insurance. I called them and received an immediate connection with a specialist who explained the policy to me and was able to lower my premium as requested to suit my needs.