Embrace | Pet Insurance Review

Embrace pet insurance was fine until the last two years. We only made 2 claims for our yellow lab who is 12 years old. ($450, $1001). We expected that his insurance would increase but the amount is incredible. $550 a month. Now, it might be that I contacted the BBB last year when it increased from approximately $225 to $400. -I was able to reduce it to $342 but gave up the percentage of reimbursement and the lifetime amount.- This year it increased to $550 a month. My dog is dying from splenic tumor and a mass tumor that is slowly bleeding his life away. To operate would be $7000-$8000 and no guarantee he would survive. It was a hard choice but we chose palliative care and to keep him as comfortable as possible. However, an increase to $550 a month would cost us $6,600 yearly. The hypocrisy of this insurance Co and probably others, is definitely a form of usury. I will be contact the CFPB- even though it is a shadow of its former self

Prior to taking out a 70% coverage policy on my dog a spoke to customer service to ask if my Labrador would be covered for a chipped molar. I was told that dental care is covered . I also inquired about annual booster vaccination coverage and told yes it’s covered. I started the plan in October 2025. In a follow up vet visit I scheduled a tooth extraction for 6 weeks later. I submitted the claim through the app and was told it would take about 30 days to process the claim . I now find out that even though I made embrace aware of this chipped tooth;they now say since it was a pre-condition it’s not covered. Just the exact opposite of what I was told to induce me into providing my credit card for the monthly payments . Now 4 months into the plan I find it’s not covered .

I had a difficult start with embrace and a very stressful back and forth for months but Marisol and Shelby were very helpful although I was very frustrated at the point of me speaking to them. Make sure to have them run all of your medical paperwork that you submit at the beginning of your policy or else they will not do it and you may run into issues when you finally need to submit a claim months down the line 🙏! Even without knowing this know Marisol or Shelby will handle your case very well and with care

I just enrolled my dog so I can’t address the claims process but the agent was very patient answering all of our questions and getting everything all set up

This company took 300$ a month from me for years until I had 1 issue and they found a way to link any payout issues as pre-existing conditions so they never have to pay out ! Do not trust these people with your pets ! Or your future this is a policy that doesn't pay out ever !