Embrace | Pet Insurance Review

The review of my claim was thorough and fair, and Embrace kept me informed throughout the process. They communicated clearly and promptly, and worked hard to resolve communication issues with a prior veterinary practice. One staff member worked on the entire claim with me, so I didn't have to address questions or issues repeatedly with different people. Overall they were very easy to work with, and the outcome of my claim was reasonable and covered what I expected.

Our dog became sick last week vomiting everything he ate or drank all day. It was a Saturday evening and we have one vet open at that time, the only emergency vet hospital in the county. We had to pay over $1200 that evening for his treatment. I submitted the online claim form and it was approved the next day. The refund was in our account the following day! We are so happy we chose Embrace!

I had the policy for 5 years and accepting the 40% increase per year. The last straw was I moved across town (going to the same vet) and they claimed they had to increase my policy another 30%. So my policy basically doubled in price. Please do the math before you sign up for this scam. My premium per year would be around $900 and the related deductible is $750, so my out of pocket expense is $1,650. I might as well just pay the $1,650 directly to the vet. And remember depending on your plan not everything will be covered so you’d have to pay excessively to Embrace and then still need to compensate your vet. Over the course of five years I made ONE claim and it didn’t even exceed the deductible. It was the biggest rip off of my life. Please think twice before you sign up.

Embrace isn't worth the money. Especially the lovely $40 increase in 2024. Their only goal is to NOT pay out anything. Better off just paying out of pocket. I am on my second year with them and submitted my first pre-approval claim and they covered a small a portion and said no to the rest. Keep your monthly premiums in your pocket instead. You could save that up and use that to pay out of pocket. More beneficial than this sham of pet insurance company. STAY AWAY FROM THEM!!

I dislike that my last billing statement was not deducted from my $700.00 total deduction .