Embrace | Pet Insurance Review

My premium was increased this year for no apparent reason. My cat has never been sick and I have not used the insurance. They claim it is due to rising operating costs, an increase in Vet fees, and my cat’s age. My auto rate only goes up if I get a ticket or get in accident. My health insurance premium does not go up if I get sick. If my pet insurance premium is increased every year, by the time my cat needs a Vet I’ll have paid so much for insurance over the years I’ll be lucky to break even, particularly if you take the deductible into account. I had pet insurance years ago and my premium increases were modest and few over the years. When my dog fell ill and had to be euthanized the insurance reimbursement was a great help. It appears all these companies operate on the same business model. I don’t know if the insurance is worth it in the long run.

easy claims process, and though my dog died they were very helpful. also sent a beautiful plantable card

The service agent was super efficient and compassionate when I explained we needed to discontinue coverage for our dog who recently passed.

I highly recommend Embrace Pet Insurance for all those seeking quality care for members of our pet family. My dog had to have emergency life-saving surgery a few weeks ago. Not only did members of the Embrace team make sure his medical history was up to date, but they processed the claim in a very timely fashion. No one wants to have to use pet insurance in this way, but I was so grateful I had made the investment--not only in purchasing pet insurance, but in holding my pet insurance with Embrace. I hope anyone reading this review has the same level of excellent customer care when engaging with the team from Embrace as I did.

I wouldn’t even give them one star! It is nothing but a robbery scam. My wife got this policy before she passed away from cancer last year. I have been paying on for over five hundred dollars to date. I tried to use it for an expensive medical treatment and I have been told that due to the fact that there are no prior medical records before the policy I am unable to make a claim. My wife handled the bills prior to her passing and I have no idea about any of these dealings but suffice to say that Embrace was happy to take my money knowing I had a useless policy. Nothing has been offered except verbal apologies. They not only stole my money but they stole my time, a lot of times, countless hours on hold and being transferred back and forth. The young lady that tried to help me was very pleasant and sincere. She tried everything in her power to help and eventually ended up refunding $20 and cancelled my policy per my request. Do yourself a favor and make a savings fund for your pets. This company will make it so difficult just so they don’t have to pay for your claim. Most horrible experience I’ve ever had with insurance companies. I don’t even think they deserve one star.