Embrace | Pet Insurance Review

I was just informed that at renewal our monthly premium will be increasing nearly 78%! In 3 years, I have submitted 0 claims on my insured cat, and 2 claims on my insured dog totaling under $1000 in reimbursement. Their justification is "veterinary inflation", but I have not seen an over 75% increase in veterinary prices. This is price gouging and taking advantage of people who love their pets and will likely just continue paying these ridiculous prices in the event of a costly illness or injury. If we made adjustments to our policy (as they suggested) such as higher deductible, lower annual maximum reimbursement, and lower percentage of reimbursement, it almost guarantees that we would not see any benefit from the insurance unless our pet was having a major surgery or extended hospital stay that exceeds a $500-$1000 deductible. The customer service rep I spoke with made no effort to keep me as a customer when I mentioned I would be shopping around for other carriers and possibly canceling.

Not very happy with my recent claim. It’s been a month and I spoke live with a representative that said they confirmed everything was fine to proceed. Then I get an email it’s on hold because they want the documents again??

Very easy to submit claim. Thank you!

Embrace was the first company AND time we ever purchased pet insurance through all the years of owning pets. SO FAR I have not had any issues with Embrace and their customer service is top shelf!! They are responsive and have covered appropriate portions of my vet bills (minus my deductible). So far so good and would recommend them or at least consider when looking for pet insurance.

It is a site that is easy to follow and no headaches. Thank you.