Embrace | Pet Insurance Review

They raised my rates by something like $75 after being with them for only two years. I was already paying 180 something a month and I'm already using a high deductible with a low percent return (70%) to keep the costs down. Yes I've had claims, but nobody raises anybody's insurance by that much. I've never even had my car insurance go up by more than about $30 and this is simply pet insurance. They're not paying out thousands and thousands of dollars for every incident like a car insurance company and yet they have rates equivalent to car insurance which is insane. They are just like any other insurance company -- out to rip you off. They did a terrible job with our medical history so that something idiotic like "occasionally eats a dead animal" is somehow a pre-existing condition even though I explained to them it only happened once when she was an infant. That's the most ridiculous pre-existing condition I've ever heard of. And then after they had made a full assessment of pre-existing conditions from her medical records, her first claim was denied because they went back AGAIN and searched even harder to find a reason to deny it. All of a sudden now her arthritis isn't covered even though she didn't develop it until after I started working with these morons. They are cheats and they are liars and they have terrible customer service.

The website is straightforward to navigate. Uploads are simple. They let you know fairly quickly if you need to send more information and contact your veterinarian. You do need to be proactive in checking on your claim and be ready to ask questions. They have successfully processed one of my claims and it went smoothly.

Excellent service.

So far, I am quite happy with Embrace. They have made submitting claims less arduous and are relatively straight forward and easy to deal with compared to most insurance companies.

Everything is so easy, and I feel so comfortable knowing my dogs are protected.