Embrace | Pet Insurance Review

The company took forever to solve my claim. It took almost two months for me to receive my reimbursement. The person who was working on my claim was not helpful and she made it more frustrating because she was requiring unnecessary info from vet to do the medical review. I felt like I had to do her job in order to get my claim approved.

After 1yr and zero claims, Embrace raised my pet insurance by an insanely 65%! They tried to justify that rate increase by telling me they need to be able to cover all of the pets and keep up with costs. Seriously, 65%?! I could understand basic inflation increases of around 6-10%, but 65% is absolutely unnecessary and horrible business. They care more about their revenue than the animals that can no longer be insured due to their greed.

We’ve been with Embrace Pet Insurance since 2014. Anytime I had a question i got an answer within one day. I can’t even get that quick of turn around with my doctor! I would highly recommend them if you are looking for a good quality insurance for your pet.

What I have come to realize is really not much is covered with Embrace unless you add wellness rewards or your dog gets spontaneously hurt or sick. This is their coverage in a nutshell, so be prepared. Then there is the annual deductible that has to be met so you put in a claim find most of claim they agreed to pay goes towards your annual deductible. I essentially paid for the insurance for 3 years and received little to no benefit. Had I understood the how this insurance works I would have chosen a different company that offers the same insurance but offers wellness rewards at the same total price as Embrace and Fetch insurance does just that. So I canceled Embrace because they also recently hiked my rate to $82 a month. I called Fetch and the same coverage with wellness rewards is $15 dollars less than what I was going to pay with Embrace. Anyway nothing bad to say just overpriced insurance based on my research with other pet insurance companies.

This experience with another of my furbabies, Lilly Rose, took a lot more time than my first, with my Vinnie and it was a small fraction of Vinnies claim. I'm not sure where the problem was (whether the vets office, Embrace Insurance, or a combination of both). But I'm glad it's finally resolved. Thank you so much.