Embrace | Pet Insurance Review

As others have written, very easy to sign up and for them to take their auto payment. This year they increased my rate by more than $50 a month. When called (sometimes you can have a multi-hour wait), I was informed that they evaluate the dogs annually and increase accordingly. I need to go through my emails, I do not recall receiving anything notifying me of the renewal increase. Getting reimbursed has been difficult and lengthy. They request information over and over, making a lot of extra work for the vet staff (and annoying to me because I’m unable to help in any way). The most recent, that I’m still waiting on, my dog got sick. Throwing up and diarrhea everywhere, was waiting overnight to see how she was — she declined further and was barely able to stand. This is normally a high energy, very active dog. We’ve been clients for over a year. This is the first claim on her. They’re still looking into it to be sure it isn’t pre-existing. They have the report card from when we signet up showing there was no issues. It’s been a year, no claims, and they treat us like we’ve done something wrong and search hard to find something wrong. Also be aware that the prescriptions actual fall under the deductible too. My older dog has a new for meds, and we won’t meet the deductible, so no script coverage. Update in response to Embrace’s response: In one year, while interest rates were between 3-4%, our rates increased about 50%. A rate increase can and is expected, but this to me is excessive — and without warning. Pertaining to having medical records: as stated we’ve had a policy for a year. When enrolling we have to provide records and we did the all the testing reports and such, so all records are in. My dog got sick (some type of stomach issue) and it has been well over a month, with multiple reports and records sent from my vet and it is STILL on hold. My dog was sick, she was weak and was barely able to stand, so it is on hold to see if she had any lameness as a pre-existing condition. There were no pre-existing conditions and it was an issue with her stomach … three different report types from my vet — all stating my dog is not lame in any way and they are trying to say it is now going to be a pre-existing condition and the claim is on hold.

Just wish I got more money refunded. Had a bill that was almost 800 dollars and only got a little under 200 dollars back.

Amazing communication

Website and claims submission easy to do.

I love this insurance, when my pet was hospitalized and I submitted all my bills they responded right away, I really recommend it