Embrace | Pet Insurance Review

We have been with EMBRACE for years for our two rescued Shitzu mixes. EMBRACE’S rapid response times are unheard of these days. When I submit a claim, they send an email, usually with the hour, acknowledging receipt of it. The reimbursement is usually deposited into our account within 24 hours, often less. When I need to talk with a live human, I call and a live human being picks up. Customer service is 5 stars. We highly recommend EMBRACE.

We have been Embrace customers since 2019. Before Embrace became part of the JAB-backed pet insurance group, our annual increases were relatively modest and the customer service was excellent. Since then, our premiums have risen almost 100% each year. Last year, our policy covering four dogs was $655.10 per month. After one of our dogs passed away and was removed from the policy, our renewal for only three dogs increased to $773.25 per month, or $9,279 per year. We have been trying for more than a month to adjust the coverage, but Embrace’s online “Edit Coverage” feature has been unavailable. Their website still advertises the ability to review and change coverage online, yet we cannot actually use it. Every time we call, we spend an excessive amount of time on hold. We have been promised callbacks that never came and given case numbers without the problem being resolved. At this point, we have filed complaints with the Indiana Department of Insurance, Indiana Attorney General, and FTC. A company charging nearly $800 a month should, at the very minimum provide a way for customers to manage their policies.

We have been Embrace customers since 2019. Before Embrace became part of the JAB-backed pet insurance group, our annual increases were relatively modest and the customer service was excellent. Since then, our premiums have risen almost 100% each year. Last year, our policy covering four dogs was $655.10 per month. After one of our dogs passed away and was removed from the policy, our renewal for only three dogs increased to $773.25 per month, or $9,279 per year. We have been trying for more than a month to adjust the coverage, but Embrace’s online “Edit Coverage” feature has been unavailable. Their website still advertises the ability to review and change coverage online, yet we cannot actually use it. Every time we call, we spend an excessive amount of time on hold. We have been promised callbacks that never came and given case numbers without the problem being resolved. At this point, we have filed complaints with the Indiana Department of Insurance, Indiana Attorney General, and FTC. A company charging nearly $800 a month should, at the very minimum provide a way for customers to manage their policies.

BEWARE: This company will do anything to reject your claim. They have zero intention of honoring their promises. They’ll scour every vet record for the smallest vague word—“possible,” “suspected,” “might be,” or “we don’t know”—and use it as an excuse to deny your claim. They’re professional weasels who will twist anything to avoid paying out. I paid their high premiums for almost two years. First claim I filed? Flat-out rejected on some bogus technicality by their own biased adjusters. Save your money. Take it anywhere else. This is not insurance — it’s a premium collection service with zero protection.

Embrace Pet Insurance has become a total rip off. I have been with them for almost 12 years and was living in California until I recently moved to AZ. Little did I know that moving to another state raised my premiums from $327 to over $650 a month. Keep in mind my plan ran from May 2026 to May 2027, it’s July 2026 and I had already met my $500 deductible. Come to find out they no longer raise premiums based on age of dog it’s solely based on amount of claims filed. They were unwilling to cut me any breaks and there’s no way in hell I’m paying $7200 a year for dog insurance when I don’t even pay that for my own health insurance. This company souls be ashamed of themselves.