Embrace | Pet Insurance Review

So not even two years and this insurance is unbearable financially. My mother in her 70's just had her rate for a 13 year old dog with NO claims go up 55 dollars a month. Yes, a month! My dog went up a dollar and she is 2 years old. When you ask them why so damn much they read off some lengthy canned response that this is "increase is common practice with underwriters in pet insurance and typically it's a 20% increase." Well ours was a 50% increase!!!! Mind you this IS with a 500 dollar deductible?!?!?!

Our dog had the unfortunate situation of tearing a ligament in her leg. The surgery cost several thousand dollars. Embrace kept us updated on each claim being processed and reimbursed us before we received our credit card charge. Extraordinary service!

Always quick claim review and direct deposit. Nothing but a positive experience for the past 3yrs.

I adopted a 8 month puppy from the shelter. A medical review was completed at that time and he was found in good health. Two weeks after I adopted him, I signed up for Embrace insurance. 2 weeks after that, I had to take him to the vet due to diarrhea. I submitted the claim along with his medical history that the shelter provided me (again clean bill of health). The adjuster denied my claim stating that the upon medical history review he found that diarrhea was a "pre-existing condition" and any treatment for that condition would be denied throughout the policy year. What? the medical history from the shelter EXPLICITELY states he had no diarrhea and when I go to get it treated it created a pre-existing condition. Of course I canceled my policy. What a joke. It's better to pocket that monthly $25 than spend it on this company.

Very expensive and raised my rates double and I'd never filed a claim in 3 years of having the service. My dogs are in excellent health and we never reached out to them for anything. Ripoff. Go with someone else.