Embrace | Pet Insurance Review

I enrolled my dog in embrace when she was 1 year old. Premium was high but after considering it for awhile I signed up for $58.06 /mo. Two years and no submitted claims it is increased to $69.05. When I spoke to customer service they said rates are adjusted every year! What would the cost be when my dog gets older? Certainly unaffordable. No mention of yearly adjustment when I enrolled or I never would’ve. So I just wasted $1300 thinking I secured premiums on well dog that would remain during the life of my dog. Sorry embrace it is not for me

I insured a 6 month puppy just over a week after adopting from a shelter. There is a waiting period for the insurance to start. The second day after the accident portion of the coverage began my puppy passed a bloody bundle of sticks and needed to be hospitalized. Embrace will not cover it as there was no specific incident in which he ate a stick (he was just crazy about eating everything after being in the shelter his whole life and it was a constant battle). I know all insurance companies make their money by denying claims but this company aligned itself with USAA and I expected the same level of quality and service. They are nothing like USAA...

Embrace is easy to use. Always very responsive and reimburses quickly. Always gives a clear informed explanation. Great value.

Embrace representative reached out by phone because our policy renewal was expensive. When I called back, she helped me figure out how to reduce the premium without reducing the protection that was important to me. She was patient, knowledgeable, and went over every imaginable option (more than once). She understood what I wanted for our geriatric dogs and helped me figure out that raising the deductible was the most cost effective solution. We LOVE Embrace. They have always paid our claims promptly and fairly.

Embrace is the best! Customer service is always great and they quickly resolve any issue I have.