Embrace | Pet Insurance Review

I am going to be honest: I was worried. But my first claim ever submitted was so easy and the wonderful employees at Embrace processed it so quickly, delivering me a comprehensive breakdown and everything and a quick return on my refund. My pup needed extensive testing with a specialist and I would do anything for him. Embrace gave me peace of mind that I could do that and more within my policy and have the financial help I needed to do it. I cannot speak more highly of Embrace and will continue to utilize their services for my pup now and my pups in the future.

Embrace was actually great for the first couple years—but wait until you submit an expensive claim. Initially, the premium was high but manageable. Last year, my cat required surgery and Embrace more than doubled my premium this year. My cat has no other medical issues and nothing the surgery didn’t correct, and my premiums now amount to $3400 per year (truly). What’s the likelihood my healthy cat’s bills will amount to more than that every year going forward? Just about nil. Embrace tries to push out customers with claims—or to recoup everything they paid out within a couple years. That’s not how insurance is supposed to work. Healthy pets with no claims are supposed to subsidize my cat’s bills when he’s sick (and vice versa)—insurance payments shouldn’t be a loan where the insurance company tries to get back from me every penny they paid soon thereafter. So disappointing!

The person in customer service was great and very helpful.

Very easy to use and submit a claim

The process was much easier than previous experiences. Last year I had bills that I didn't submit because I dreaded the process. I was overwhelmed with illness in the family and could not not get my head around the forms. however, I find this insurance more expensive than others, The deductible is outrageous. Dr. Hoffman is fabulous.