Embrace | Pet Insurance Review

The process was much easier than previous experiences. Last year I had bills that I didn't submit because I dreaded the process. I was overwhelmed with illness in the family and could not not get my head around the forms. however, I find this insurance more expensive than others, The deductible is outrageous. Dr. Hoffman is fabulous.

Claims are so easy to do!

I’m really sad to write this review. I’ve had Embrace for ten years with no issues and I even recommended them to others long before they had a referral program. As we approached the ten year mark, they started calling me nonstop. When I finally spoke with someone, they told me my premium was increasing to 4.5x what I had been paying. This was on top of the yearly increases they already apply. They were calling because they KNEW people would be pissed if that auto charge would have happened without letting people know. This is the stage of my dog’s life when she needs coverage the most, and they raised the premium higher than what I pay for both my own and my son’s health insurance combined. It feels like they were trying to push long term customers out before any major vet bills come up. I am extremely disappointed and now my aging dog is left without coverage. It's all shady and typical for an insurance company. I now tell everyone to avoid Embrace and just save money is a pet savings account for the day you may need it.

What went wrong was when I signed up my new puppy, the wellness policy was not added. I turned in a claim, and it was denied. Now, I have another dog signed up for almost a year. Common sense would tell you to sign up the dog for wellness when I said I wanted the same thing the first dog had. Then I spoke with someone else, and they said I could add wellness. I would have to pay over $400.00 because it would have to be backdated to before the dog was born. Senseless!

Revised site & claims process much improved & easier