Embrace | Pet Insurance Review

I called to cancel a policy that has gotten so expensive I no longer could justify the expense. I have never submitted a claim in over 8 years, my dog is a cherished member of our family whose health we maintain (at our expense). He’s on a yearly heart worm injection, monthly flea treatment, was neutered when he was age appropriate fur the surgery. Yes, I know things can happen but past behavior is a good predictor of future behavior. I realize the premiums go up according to age and risk. That $50.00 rise in premium was just the last straw. So, after being a loyal customer for over 8 years with zero claims, it’s time to cut my losses. I’ll save the premium money in a savings account, like we do for the rest of our dogs. Buying pet insurance was sn experiment, we decided to give that a try vs savings monthly set aside for pet care. You failed miserably. I put money aside in savings and at the end of ten years, I’ve got over $17,000 in that account, yes we’ve had to use money from the account but we faithfully, via direct deposit, put money in every month. The moral of the story is in the battle of savings vs Embrace, savings won. I’ll keep saving and my dogs will always get the care they need I should have realized long ago that my method was the right way. I guess I have to thank you for raising the premium so much, it actually pushed me to call and cancel. I’ll be writing about savings vs pet insurance in my blog. By the way, we have a French Bulldog also. We know she may need some firm of surgical intervention in the future and we have planned for that should it happen. All the best Jan Baxley Torrez

Easy to file claims! The online forms are easy to complete and download invoices and documents.

Pretty dang easy! I wish all insurance was this quick and simple.

I filed a claim on 7/1/2024. As of today 8/15/2024 i still have not received payment for my claim. They are trying to say it is a pre existing condition when this policy was purchased years ago and i provided medical records when the policy was purchased that my dog had no issues at that time.

They are always quick and efficient with claims. My 6 year old Chihuahua has had problems in the past with renal failure and I have submitted several claims for that. No problems with my claims. Kidney failure has been resolved but, now she has Inflammatory Bowel Disease. They have quickly paid all my claims. I am very pleased with their service.