Embrace | Pet Insurance Review

Horrible company and greedy. I recommend healthy paws insurance for your dog. I started my policy with embrace for around $315 and it just went up to $1200 for a healthy dog. My second dog is the same breed and same age and even more health problems; her policy has been the same premium for over six years. TO YOUR REPLY EMBRACE: No you do not understand my concern, because I guarantee you, you are not paying a ridiculous amount of premium for your dog from $300 to $1,200. Your calculated and copy paste response does not change my experienced based observation that Embrace is a HORRIBLE AND GREEDY COMPANY. Your team on the phone and the team handling bad reviews are trained to say the same cookie-cutter response just to mask the fact that you guys just take advantage of your customers. You raise the price based on the pets age?? (That is not what other pet insurance are doing) Tenure of the policy? (so the longer I have my policy instead of being treated as a valued customer I get punished? since I've had my policy for over 7 years) High risk?? (how about you give us a discount for my dog being perfectly healthy so far) "Actuarial fluctuations" just more jargon nonsense, the only thing fluctuating is your CEO typing more zeros to everyone's premium as they feel like it. You should do some research on your competitors. I have two dogs, same breed and same age, HEALTHY PAWS is my other insurance and they HAVE NOT changed my premium that signifinatly, and my other dog has had even more veterinary bills and more health problems. I opned this insurance with you guys when my dog was a puppy, I trusted you guys, but now we feel completely taken advantage of, and this is NOT OK. What you guys are doing is a complete disrespect, inmoral and perfectly depicts the disgusting health and humanithy system we have going on in this country. Just big companies getting richer from hard working people's pocket with zero regards.

While I love our insurance and have been with them for years, I am highly disappointed in the ability to contact someone in customer service whether it is on the phone or through chat. Always "No one available". I am tired of that. This is the exact reason I dropped my other insurance company. And I have 3 policies with this company on all my dogs.

Embrace was great for the first year. However we just got our annual renewal and our rates DOUBLED. We went from $121 a month to $242 a month. When we called to find out why we were told it was due to inflation. We expected some increase but to double seems insane.

Embrace has very knowledgeable and caring representatives and signing up was very easy. Also good prices for great coverage. I haven’t needed to file a claim yet, but so far my experience has been very positive.

Our puppy of 10 months starting having seizures and because it was the weekend, we had to take him to the emergency vet. We sent our bill to Embrace along with the bill from our regular vet and the pharmacy. Embrace kept us updated and contacted our vets for any additional information they needed. We were reimbursed within a timely manner. Great service! I would highly recommend Embrace Insurance.