Embrace | Pet Insurance Review

We have had this insurance since our girl was 7 yrs. old....she's now 12 years and still going strong. She has had a few issues with a neck issue, rehabilitation and medication and now some heart issues (mitral valve disease) with more expensive medication (ongoing) but through it all, Embrace has been awesome. They have covered everything according to our plan and we are so grateful to know that they have our back when it comes to needing tests and treatment. We had another insurance with a previous dog and when it came time for extensive treatment and medication, they refused to pay for anything but cremation! Now this does come at a price which goes up considerably each year. But with any insurance, you hope you never need it but it's great to know when you do they are there!

I've been a customer for 7 years, but have just had the need to use it in the last few months. I've got 2 older cats (14) - one with cancer, and one with other issues that go along with his age. Embrace has been incredible. Submitting a claim online is simple, and the reimbursements are FAST. That was a concern for me when I first submitted a claim, but I get mine usually within 5 business days. It was great when my girl went into kidney failure and was diagnosed with cancer to not have to base my care decision on whether I could afford to give her the best treatment! She's doing well on her treatment, and I'm not going broke. A win all around! Highly recommend Embrace.

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.