Embrace | Pet Insurance Review

Excellent customer service and reimbursement for claims/timeliness. I think supplements and prescription medications should be paid at the same reimbursement rate because my vet has asked me to include certain supplements in my cats diet because of his kidney disease. However when your pet gets older you're in trouble because the premiums are so high and you're stuck because you can't go anywhere else.

Stop submitting claims in 2024 because company never pays! Puts claims on hold even tho they get invoices and notes from Vet. I submitted notes myself and still get put on hold!

Very excited about trying my new insurance out.

I used to suggest Embrace to all my friends. Not anymore. They’ve increased my premium from roughly $760 per year for two cats ( 1k deductible, 90% with 15k max payout) to $2000 per year. My cat’s age one is 7 the other is 8. Inflation is their only reason. I can only lower my deductible %. I have no choice but try to keep up. This pet premium is the least payout and its even more than my mortgage insurance per year. I am stuck here. If I switch or up my plan all previous claim will become pre existing condition. This is unethical. On the other hand I do love their customer service but this is unbelievable.

I am an older person. I have used your insurance for 3 generations of dogs. Never a problem until now. Now your company is less friendly in the way you handle claims. I don’t own a working printer. This means, I couldn’t use the claim form on your web site. WHY do you not allow me to fill out the form on line and send it.. This poor management for what has always been a good and thoughtful company. IT also meant that the person who worked with me also emailed the form to me to fill out. Again, I don’t havre a printer. I can’t use those forms. And why didn’t you train your customer service person offer a printed copy of your claim. So all I mailed to you was the invoice from my vet. Please call me to straighten out this no printer problem or mail the forms to me, and allow my claim go through. I”m very disappointed with your new shiny system. And I could tell that you have shorted the length of discussions that your people had to work with me. Embrace has always been a warm insurance company particularly since it is expensive. Thank you for your service.