Embrace | Pet Insurance Review

WHAT A RIDICULOUS COMPANY. HERE IS THEIR RESPONSE TO MY QUESTIONING A 60% INCREASE IN ANNUAL PREMIUM. INSTEAD OF TAKING EVERY PIECE OF BUSINESS YOU CAN WRITE HOW ABOUT REJECTING BUSINESS THAT NEGATIVELY AFFECT POLICY HOLDERS WHO DON'T HAVE CLAIMS ETC. IDIOT COMPANY........Hello Jonathan, We certainly understand a premium increase is never ideal, but premiums do increase over time with all insurance products and pet insurance is no exception. The premium increase is not currently based on your pet's individual health status or the claims you've personally submitted, but on our entire book of business (the overall actuarial data) based on your pet's age, breed, sex, and the location where you reside. The main factors that impact premiums each year include the age of a pet, tenure of the policy, and inflation which includes the increase in veterinary costs. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens. However, Embrace structures our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. We understand you’ve already canceled your policy and we are sad to see you go, but if you are interested in exploring these options or have any additional questions or concerns, please feel free to reach out and we're happy to help!

2 of the vet hospitals would not submit directly. The final vet, who had to put our dog to sleep was the only one who said they would submit, but do to the emotional aspect we are not sure they did. I hope Embrace has the info.

Always so easy to file a claim

This is my first time filing claims. I had a little difficulty locating the correct diagnosis category and deleting an invoice that I had uploaded for the wrong date. But once I filed a couple, I found the process user friendly.

Very easy steps to submit a claim