Embrace | Pet Insurance Review

I submitted a claim for my dog and was impressed at how quickly they reviewed and completed the claim. They also make sure to get the money that you are to get reimbursed submitted to your account within 24-48 hours. You couldn't ask for better service. I have been with Embrace for several years and I must say they are improving all the time. Also when you call and talk to a representative everyone is so friendly and helpful!

Slow claims process. They increase rates when you file claims.

Kind of hard to review something I haven’t used . I’ve gotten no policy to explain anything about your coverage or when and how I can use the insurance. I’ve called twice to receive all info. Also I pay 50$ a mth. I a sure you of the rates go up I will be canceling.

I’ve been with Embrace for years and just received my renewal notice. The new premium is $918.31 per month. That is over $11,000 per year to insure two senior pets. For comparison, my current billing shows $279 per month . So we are talking about going from roughly $3,300 per year to more than $11,000 per year at renewal. That is not a modest increase. That is a financial shock. What makes this worse is that they have never paid a single claim since I purchased the insurance. Reimbursed to date is $0. So after years of paying premiums, the first major interaction at renewal is a massive rate increase. Yes, the explanation includes rising veterinary costs, age adjustments, and actuarial reviews in California. I understand that premiums change. But tripling the annual cost feels less like risk adjustment and more like pricing customers out once their pets are older. Insurance is supposed to provide peace of mind. Instead, this feels like you are paying faithfully for years and then being presented with a bill that makes you question whether coverage is even sustainable. If you are considering pet insurance, do not just look at the monthly number. Convert it to an annual cost. When someone says $300 per month, that is $3,600 per year. When it becomes $900 per month, that is more than $10,000 per year. Do the math before your pets age into a pricing tier that makes staying insured feel impossible.

Adrian answered all my questions patiently .