Embrace | Pet Insurance Review

This year they are more than doubling my insurance premiums!! For no apparent reasons but "the vet bills increase in the US these days" and “your cat is getting 1 year older” . I don’t think it’s a good reason to double an insurance premium . AND they had already increased it the past year. What is it gonna be next year? triple? Also they don’t cover prescription food- Only prescription medication- Beware!

If I could give Embrace a 0 I would! Genuinely don't even bother getting pet insurance at all. After submitting almost $1,000 of vet bills, Embrace reimbursed $0 of it. Mind you, this was after months and months of trying to get them to even review the claims. They claimed that our cat had a preexisting condition (a fully healed Upper Respiratory Infection she had while she was in the shelter) even though the vet literally stated in the first appointment that this was NOT the issue, and even after spending hours on the phone with them, Embrace only conceded to reimburse us $98, which is well under what we are owed. We are cancelling our plan immediately and are beyond disappointed in not only the pet insurance itself but the staff who seem entirely unempathetic and unable to use a single ounce of logic in assessing claims. Update: See their stupid response to this? Did they even read the review? This type of response is exactly the issue with Embrace. In my review, I clearly stated that my cat did NOT HAVE A PREEXISTING CONDITION not even in the terms you defined it in the policy contract. Also, absolutely hilarious to say you "see a team member has provided additional information" in reference to an automated email response confirming the cancellation of my insurance plan. Don't act like you did your best attempt to right this situation; all you guys want is to take our money, you really could not care less about the health and wellbeing of the animals involved.

I signed up with Embrace over 10 years ago. I insure 2 cats and 2 dogs. More for the dogs as our cats are indoor cats. The Wellness program is great! All their shots and checkups are covered. I just had an injury claim to our 4-year mini-Poodle. They covered everything! He's coming along great. The staff was so compassionate and understanding. They truly love their job! Anna was great! As long as we have animals, we will have Embrace!!

embrace is always clear and prompt with my claims. recently unexpectedly we lost one of out babies. I called to remove her from insurance. the lady I talked to was amazing,personable and sympathetic to my situation. she made it easy. I would look to them with my all my other babies. it means alot when they care.

Embrace is easy filing, & a quick refund is made. I especially enjoy the very helpful and patient people when you call to inquire about how to do it or what to expect. Very helpful and very patient. Thank you so very much!