Embrace | Pet Insurance Review

My Pet has been with Embrace since he was born and their service has always been a five star experience. Up until I had a claim from 2023 that I realized I never submitted due to ongoing hospitalizations, having two strokes and now I suffer from seizures. When asked if they could please make an exception, the representative placed me on hold for several minutes to ask a manager. I was then asked if I had other claims I planned to submit and I said yes (2) . Due to a recent dental surgery my baby needed. He had abscess, bloody stools etc. She then placed me on hold again, came back and said they would not honor the old claim. I was full of disappointment because I have not submitted any claims since 2021. My plan increases from paying 54, 70 and now to over 120. I just told over the phone I hope you feel better. I just don’t understand where the compassion within this conversation was and ended. I’ve been in the Healthcare industry for over 25 years and I would do everything in my power to help a patient and within the community.

The rates have gone up an average of 30-40% every year. This year for my 2 dogs it is going up 258%. It is going from $138.09 to $356.39. One of the dogs went up 320% because he turned 10. The other is only 4 years old and went up 55%. Despite what they say in their reply it is not true. My 10 year old has been insured since he was a puppy. He has never had a surgery! He las low thyroid and arthritis, that’s it!

Embrace is great. I love that I am a member for 15 or more years. Very good to us. Yesterday though was the first time someone said they were going to send me a spread sheet of my dogs, Lexi, Jake, and Kings charges( how much did we spend on each dog). I told him that we need an idea of the charges to make an informed decision on picking a new policy. I have not received this spread sheet. This is the first time this has happened. I was being encouraged to maintain the 10000 reimbursement when I am trying to decide on the pricing. The amt has gone up and I need to review my option I was hoping for someone to help me with this issue. No help and no spread sheet. I have been a member for a long time. This time it was a little different than what I expected. Thank you Elizabeth Bandomer PS I still want the spread sheet

Normally I have no problems with my claims however I was unable to submit the claim through the regular channels and had to send the information email. I have been asked numerous times fir the diagnosis for this claim for Boo and have replied. I have now just resulted the entire thing because now the suit claim process is working which unfortunately is not always the case. I hope my resubmission helps

Speaking with Gary was very pleasant. He answered every question clearly made me comfortable with going ahead with the pet insurance.