Embrace | Pet Insurance Review

I am so glad I had insurance for my Mocha's knee surgery. I have had Embrace since 2018. They have always taken good care of us. Thank you for that. Your web site is very manageable. Easy to submit claims and ask questions.

10 days processing time per claim, difficulty understanding if Embrace requested updated diagnosis or we were asked to do it, once we received updated diagnosis, we could not attach it to the claim but only upload to the website, required another call to clarify, the initial message on the call said "wait time up to 60 minutes"

So far have had no issues, claims subimssion is very easy and reimbursements have been pretty fast. Not really sure I understand the point of the wellness rewards program, since the price difference in plans is about the same amount that I would pay the vet for the care, but I have been happy with the injury/illness plan that we use.

After paying hundreds of dollars for four months, all my claims were denied because of so-called pre-existing conditions that they only told me about after I had filed the claims. Pre-existing conditions according to them include diarrhea because he’d had it in prior months, so that wouldn’t be covered for the first year he was insured. This is a total scam: they should have reviewed my dog’s medical history when I first registered him & not take my money for months & then deny all my claims.

While coverage is decent the premium increases are WOAH. I started out paying $45 a month and in 4 years I’m not paying more than double ($108/month). The rep and supervisor both just spouted out the same insurance propaganda without much to offer except to lower my plan to change my rate. After reviewing all of my options anything worth the change to save me more than $5 or so would dramatically reduce my coverage. I get it. Insurance companies have premiums. But a 35% increase in one year?? If my dog lives another 4 years I’ll be paying over $300 a month! Edit- clearly the commenter didn’t read my comment thoroughly at all. As they just reverberated the exact same answer the rep and supervisor did and didn’t read where I said I already went through all the options to change my plan around. The point of my post was a “buyer beware” that the rate of inflation is astronomical.