Embrace | Pet Insurance Review

Submitted my dog’s recent wellness exam results which came with some high expensive procedures. We only have the accident & illness coverage so many of the items were not covered. However, the underwriter at Embrace took the time to review the invoice and was able to determine there were some procedures which were covered under our accident & illness plan. I appreciate the time and effort to ensure we were reimbursed for the items which were covered. Customer service demeanor of the representatives is also exceptional!

It's hard to know if this is a good insurance company to work with because I never made a claim. However, when I signed up two years ago, the monthly rate seemed very reasonable, but the following year upon renewal the rate went up by 30%. This year it is about to go up again an extra 50% of the new higher price so it will be almost twice the original price. My animals are very healthy and I haven't made any claims. When I called I was told it is because my animals are getting older. I did the math and if the premiums keep going up even at the 30% rate per year, if I open up a savings account and put that amount of money away each month, in 4 years I will have a few dollars shy of $10,000 saved up to take care of my animals without having to worry about dealing with an insurance company and paying deductibles and percentages, so that's what I am going to do.

Heather was super friendly, knowledgeable and helpful. Embrace always has stellar customer service and they process claims quickly and efficiently.

Wellness reward program is so costly and a scam for anyone who isn’t shopping around for a better plan. Maxed out “benefits” within 6 months. Turns out our offers an unlimited rewards program for only $7 more. Make sure to shop around.

I resent being forced to write a review every time I submit a claim. One star was deducted. I hope someone at Embrace reads this. Actually you do. The “review” covers up the submit button. And doesn’t uncover until a review is done.