Embrace | Pet Insurance Review

In the 6 years I have had this policy my premiums went from$80 per month to $234 per month. That is huge and unaffordable for most. It was my understanding that rates were not increased due to the age of the dog or usage. I have already raised my deductible and lowered coverage, if I do that anymore , it would not make sense to have insurance. Unfortunately, we live with this from all insurance companies. We pay through the nose to protect our health and belongings and are subject to rate hikes and claims being denied across the board. In most states, insurance commissions side with the company rather than the consumer. Embrace, you can do better. One simple thing you can do is let people know upfront what your annual rate increases generally run. There’s a lot of competition out there. I thought I did my homework before purchasing, but sadly I must have missed something. This and huge increases in veterinary care are making pet ownership unaffordable. Someone should do research on how this is affecting rescue and euthanasia. My husband tells me this has to be my last dog.

The claims process is so easy and stress free.

The process for submitting claims is easy. Embrace communicated directly with my vet when they needed additional information to complete their claims review.

3 stars because I thought my vet would be able to bill Embrace Pet Insurance and I would pay the difference, like I do with my health insurance. Instead, I learned that I had to pay the full amount in advance then submit a claim. I also was not able to consult Embrace about whether the charges would be covered because it was a holiday. This was very unexpected, and scary because I am afraid Embrace won't cover his bill.

I paid almost two years and for three times I claimed devolution and then they asked me for so many things. I sent the bills the Dr sent the reports and nothing worked. They tell you that you can get you refund easily but please don't believe them.