Embrace | Pet Insurance Review

Still sucks. Took the money I paid for the policy ( In full) and put the claim money toward my ( deductible). This policy has been such a waste of money. By the way, I was paid out just a bit over $100 on a $700 claim because they deemed most of it a " prior condition". I will never again. And they have been told I do not want to renew so they don't automatically charge me then only give me some of my money back like they di one customer.

We just Registered our new dog and has no issues. We needed help to load the document online but it was very easy on the app. Customer support was great.

They automatically renew without contacting you, they take your money without your consent, and they won't give you a full refund. Don't do it!

They paid the claims in a timely manner over the course of my first year with them. However, when it came time to renew for year two, they raised my premium for my two dogs by over $40 a month which increased my annual premium by about $480! In my view, it appears that the initial year's lower rate was a ploy to get me to sign up with them. When I complained about such a large increase, I received a condescending email from them saying they "understand it (premium rate increases) can be frustrating" and that I could buy less coverage if I wanted a lower premium. They also blamed the rate on many factors, including inflation, policy changes and the underwriter (American Modern Insurance Group) who determines the base rate. Too bad they have no say in what they charge, huh? To me, it's a bait (lower initial rate)_ and switch (2nd year large rate increase).

Lovely customer service and attention to detail