Embrace | Pet Insurance Review

Embrace makes claims submission and repayment seamless. Thank you.

When I signed up for Embrace approximately 2 years ago, the cost to ensure my dog was $600 a year. Unexpectedly, Embrace has now than doubled the yearly cost and wants me to pay over $1300 a year for the same coverage. I tried to call to talk to someone at Embrace about this, but they were unable to help and only offered to "change my coverage around" which would only reduce the cost by a couple hundred or so and increase my deductible etc. I understand costs can rise, inflation, pet age, etc. However, more than double isn't right. $1373 for one dog with a $700 deductible is wild...why am I paying more for one pets insurance than my own car or health insurance? I want to change providers, however, I'm aware most insurance companies won't cover any illnesses that arose during the coverage period of previous insurer, essentially leaving the insured with little to no options to go elsewhere if they want to stay covered for the same conditions. I think this is pretty unfair to the little guy, scummy, rigged, and not a practice of integrity. Embrace shouldn't feel good about these practices. More than doubling, the cost of insurance isn't acceptable, but they do this knowing once you're locked in you can't really switch to another provider. Also, I've had to fight tooth and nail to have previous claims covered, go through lengthy appeals processes, etc. They take their sweet time and try to deny you when you rightfully submit claims. Embrace likes to respond to these types of complaints without any helpful resolution.... just skip the reply unless you're actually going to help.

If you own a pet, if you love your pet as you love your children, you have insurance on them because they are Also your family. I have looked at All and had a different insurance on my last fur baby who had pancreatic cancer . Thank goodness I did,6500.00 in 9 months. Embrace is better then what I had before. When you become a proud new parent to a fur baby, Get Embrace. Foxie has 15000.00, 100.00 deductable and is covered 90%. It cost less per month then what you would pay for 2 people to eat dinner out! Or 4 people eating fast food.

People warned me about pet insurance. I was told every company will do whatever it can to avoid paying a claim. This simply wasn't true with Embrace. After signing up, I had a few unexpected claims almost immediately and once I hit my deductible, they paid without issue. Their service has been fantastic and I'm so grateful I signed up for pet insurance. I honestly have no complaints with Embrace.

The claim experience was awesome! Just uploaded the allocated bill and I received my check.