Embrace | Pet Insurance Review

They will increase your premiums 30+% Every Year, Year over Year regardless of your pet's age or if they have had any illnesses. By the time I finally cancelled, my 4 year old german shepherd's premium was More expensive than my own health insurance and we Never Used our coverage for a single medical issue. If this were human insurance these rates would be illegal. This is essentially a scam for well-meaning rich people. I would just keep a credit card handy for big vet bills and skip the scam. As a former vet tech, I can tell you that an average emergency vet visit with bloodwork, xrays, and IV therapy/medications to go home will run about $5-800, even with 'low' deductible (and high premium) plan options, you would pay a $500 deductible, plus 10% on top of that, so even with an $800 bill you're still paying $600 of that bill, and unless your pet has Multiple emergency visits or serious surgery in a plan year, you're basically paying $1,000 for a $200 discount, if you use the insurance at all. Don't need to be an accountant to figure that one out. This is just another corporate squeeze to siphon money off of the middle class. Save your money, please.

Thankfully I cancel on time my dog is only 4 months and they have been review documents for ever. While I understand their policy. Is to complicated for me and I don’t have time for that and she already have another insurance which is better and already review her pre existing condition. I don’t recommend embrace.

This company is absolutely wonderful. They are kind, courteous and attentive to exactly what plan your pet needs when signing up. The process for reimbursement is quick and efficient with an easy app format to work through. Thank you! We even got a discount signing up because we are USAA members!

Our poor dog had a terrible beginning to 2024. Bone fragments cut her insides and then her tail got infected and they had to amputate 3-4”. She is fine now, but very scary. With the exception of vague descriptions on specific records needed to complete the claim, all was in the end settled and monies delivered to my account.

This company is the best! I called in and spoke to a very knowledgeable representative. I needed information regarding neutering my mailbox. She gave me more information than I had ever imagined. She was informative and helpful in all sorts of ways. She also had a lovely personality. I’ve had nothing but great experience with this from my boxer.