Embrace | Pet Insurance Review

The app claim submission is super easy. Every time emailed a question I got a response within a day, usually same day. Satisfied with the coverage and pay out was what I expected per policy.

I ensured two older dogs in 2017 at a rate of $65/mo for both dogs. It then annually went up to $78, $105, and then $280/mo by 2020. So they more than QUADRUPLED the cost in just 3 years. They sent an apology email when they did the >100% rate hike in 2020 but an apology does nothing. They get you in the door, get you invested when the dogs do not have a bunch of preexisting conditions, take your money for several years, and then hold you hostage at exorbitant ransom until you eventually need to then go off insurance forever and forfeit your investment to them. Also, they cook their books. Every single claim gets "approved," and then you open the "approved" explaination of benefits to find that they approved like $40 of a $3900 bill. One of my dogs received surgery to remove a suspected malignant tumor, but since it came out benign they rejected all expenses (well, they approved a fraction, of course). They explained that if it were malignant they'd have paid it, but since it was benign they declared that the whole thing must be "dental". So despite that the charges were all towards a covered diagnosis of suspected malignancy (a CT scan, resection of a mass by an oncologist, a biopsy... all conducted in a facility that does not even employ a dental surgeon or anything general practice), since it was benign I'm 100% on the hook. They claim they do not interfere with medical advice and they claim they give you peace of mind when making decisions but when you are half crossing your fingers for a malignant tumor so that your diagnostic tests will be covered that is bad.

We’ve never had pet insurance until we got our Danes last year. So far, I’m happy with our experience. My first claim took a while to be process, and it took me a long time to get through on the phone, but my second claim was process within a week and deposited within 2 days.

My 10 year old, Husky/Great Pyrenees has needed care at a specialty clinic three times. It is not cheap but has been well worth it and given us more years with our much loved girl. Embrace has paid our claims promptly and given us the peace of mind to follow the best course of treatment.

I have had Embrace Insurance for my Pomeranian since he was 10 weeks old. He is now 9 years old. The claims are easy to complete and reimbursement is quick. Granted premiums increase as your pet ages, but that is expected since more illness occur with age. That being said, it is nice to be able to get all or most of the vet costs reimbursed. I have been very happy with the customer service and the monthly newsletters I get from them on how to keep my pet healthy.