Embrace | Pet Insurance Review

Don’t think they actually reimburse. Been on this insurance for more than a year, never made any claims. When my cat had an accidental and went to ER, I made a claim but kept getting need medical history notifications, sent several times and still didn’t hear back. I canceled the policy. Had better experience with a different insurance, will go back to that one if I ever decide to purchase again. Just don’t think it’s necessary anymore. All the premium I paid may not be that different from whatever medical expenses I may incur.

They took care of bill quickly. Contacted me to send invoice. I had accidently sent estimate copy. As soon as it was received they sent me my reimbursement.

I submitted my claim and within a few weeks I received a check for claim.

Very easy to submit claim!!

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.