Embrace | Pet Insurance Review

Claims Dept does everything to delay snd possibly to deny (Appears). I almost have to call several times in claims to get issues resolved Oversll the staff are courteous and good listeners but there in my view a claims problem. Costly and not getting what we signed up for . 🙏it gets better Please

Great customer service! They addressed all of my questions promptly and completed the claim within 2 days.

I’ve been paying Embrace insurance while still paying for my pet visits, they won’t settle my first claim or reimbursement anything even after providing information that my vet gave me, that they requested. They claim they need even more information. Looks like a scam, they should be ashamed. Whoever is considering this insurance shouldn’t consider it unless you like to just pay bills because you will be paying for you pet visits/ procedures while still paying them and won’t be reimbursed at all. They made my pet visit so complicated and undesirable with how many times I had to contact my vet and forward information only to have them say they need more!!!!! Terrible.

Great service!

Began my policy with Embrace back in 2019 with a few month old chi/terrier mix added a pet in 2023 ….same chi/terrier mix breed and she was 7 months Insurance for both pets per month was $51.32, 2024 raised to 66.84, 2025 raised to 72.34, 2026 nearly doubled to 129.60 with a 7 and a barely 3 year old. I had a $500 deductible with a $10,000 annual max reimbursement at 80-90%, both dogs no pre existing conditions. I’ve never used my insurance. I found the Spca does a vaccine clinic at our local Petco so that’s where we go for discounted vaccines, exams, and prescriptions for heart guard which I have filled at Costco as it’s been the cheapest option I found. I called embrace and was very transparent and let them know I obtained a policy quote with Pets best for $63.41 monthly with the same deductible, reimbursement percentage however the annual reimbursement amount was unlimited. Embrace was willing to work with me, but the best rate they could give me involved creating a brand new policy with a $108. Monthly rate, a $20. Difference after years of business! Disappointing to say the least. I’m glad I didn’t just trust my annual renewal and that I took the time and did some shopping. I’ll be saving $45. Monthly and $540. This year by dropping embrace and switching to Pets best even with a dog 6 years older and 2 years older. Take away, Embrace rates have doubled and you can find more affordable plans. I imagine the number of consumers that do switch “their” premium will be covered by those who stayed (not knowing any better) while embrace has less coverages and less liability. When someone raises your rates, ask why and shop around. It can be better.