Embrace | Pet Insurance Review

I just insured our new kitten that we got and the process was very easy and fast and the cost is nicely laid out , so far I am happy , let’s see after I use it.😃

For financial reasons I needed to cancel my insurance after not using it for years. The customer service rep offered me an extremely reasonable accident insurance change for my sweet cat. Thank you!

I signed up a year ago because I liked the flexibility of customizing my own plan which most other providers don’t offer. Positives: customer service is excellent, very helpful, friendly, knowledgeable; website for filing claims is easy to use once you become familiar with it. Negatives: long learning curve and no training of how to use the website and provide an overview. My biggest complaint is the lack of clarity from the agents while choosing my coverage. It was my understanding that adding a wellness plan would cover all exams and medications, so I waived that coverage from the accident and illness plan. Turns out I was wrong. My advice would be to take great care when discussing coverage with their agents, particularly if this is your first time buying pet insurance. It can be very confusing. In the end, my analysis of the cost of the insurance versus what my OOP would have been without it was that I would have saved a few hundred dollars without it, even with one of my cats becoming sick with pancreatitis requiring lots of tests, meds, and prescription food. So, while my experience was positive on some points, I would recommend taking a chance on your pets’ health and pay the professionals for their service if they get ill, rather than throwing money at a third party that may not cover your costs.

Fast and easy

We have had embrace for 6 years now for my Frenchie. In general I am quite satisfied with them. Have had a couple issues over the years, but always willing and able to help fix things when I call. It certainly does give me peace of mind as he gets older.