Embrace | Pet Insurance Review

I like the pet insurance the only thing I don’t like is that the wellness is very limited when I feel like it should be unlimited or a higher limit especially since they animals have to get so many shots every year and when they are puppies they have to be really fully checked and everything else.

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.

This was my first time using Embrace! I was impressed. The online form to submit a claim was simple and fast including uploading my invoices; Embrace contacted the veterinary hospitals for records directly which was great that I did not need to provide them; They sent me daily emails updating me on the status. Claims were accepted quickly with no questions asked and I receive a direct deposit into my account within a few days. The amount of the deposit matched what I had calculated!!! Seamless process. Thank you very much!