Embrace | Pet Insurance Review

After paying into this pet insurance for a decade, I was shocked when they raised my monthly premium to $500 for my 15-year-old dog—who, by the way, is still healthy, active, and has no major medical conditions. She walks regularly, jumps on the bed, and has only minor joint stiffness. This price increase wasn’t based on her health but on cold, statistical assumptions about senior dogs. It’s clear they’re happy to collect your money while your pet is young, but when the risk of paying out increases, they’ll price you out. It’s manipulative, unethical, and shameful. I canceled and found a new plan with solid coverage for half the cost. This company does not stand by its customers or their pets. Avoid at all costs.

I just went to file my first claim and was very disappointed to learn I had only 60 days to submit claims. Somehow I missed this in the initial registration -- probably because I was exhausted from dealing with a new puppy.

Everyone at Embrace is always so kind and helpful, and we appreciate everything they do for us and our wonderful pup.

The constant phone calls I received made me run away. I checked out your page and then wanted to talk about it with my spouse before signing up. I received 3 phone calls while at work the same afternoon. After that I had no desire to work with Embrace, but my dog got a baby carrot stuck in her esophagus. $1800 later, I signed up for Embrace.

Very responsive, patient and made a confusing situation easily understood.