Embrace | Pet Insurance Review

Embrace used to be a great company providing good value. Now Embrace is a greedy corporation putting profits ahead of services. I have been a loyal customer for over 15 years. No longer I of my dogs was insured by embrace for 11 years. My current dog has been insured by embrace for 3 years. Every year the premiums go up. I understand that. However, the most recent increase is ridiculous. No current health issues with my dog. Accident and health premiums has changed from $234.00/month to $376.00/month. The numbers no longer make any sense. I will bank $376.00/month versus paying ridiculous premiums. Please think seriously about using Embrace. March 23 2026 I just read the response from Embrace. I will say this very clearly. But beware I am seeing very similar post to mine regarding embrace making ridiculous increases to pet insurance premiums. I did some research and there are clearly better alternatives at this time than embrace. A was very happy customer if Embrace who now feels their corporate greed !!! Don’t get surprised by their bait and switch sales pitch. Sorry for Being so negative but embrace needs to called out for their ridiculous AI generated policy increases. Smells a lot like a doge audit :)

They are kind considerate, happy to help out anyway they can. Glad we chose them for our pets

Everything was great until my 2 cats got older. As soon as one of my cats turned 15 they increased the premium by $100 on him. So beware! the premium starts off low then they will drastically increase it! It's like a scam! My cat is a healthy cat with no issues whatsoever, and we've just been giving them money for 15 years with barely any usage. Now I'm paying $250/month, which is insane for a cat health insurance.

I want to sincerely thank Embrace for making a very stressful time much more manageable. My dog became extremely ill and had to be hospitalized, and the last thing I needed was a complicated claims process. Thankfully, submitting my claim was quick and easy. Every time I contacted customer service, they were polite, helpful, and took the time to answer all of my questions. My claim was processed and paid promptly, which lifted a huge financial burden off our shoulders and allowed us to focus on what mattered most—helping my dog recover. Thank you Embrace!

All my interactions with the Embrace representatives have been good. I would give it 5 Stars if the company's wellness and routine cap was higher.