Embrace | Pet Insurance Review

My premium if I was stupid enough to renew would have been over $4800 for 14yo medium (48lb) mixed breed female dog for only $8k of coverage, $1000 deductible, 80% coverage.

Be very careful prior to purchasing this insurance. It is good for the first 3 to 4 years, then they start increasing the rates by 20% yearly. At Age 10, it increases by 200% and then at age 12, it hits a whopping 400%. My rate went from $1,400.00 to $5800.00 yearly when my dog went from 12 to 13! You have rights, call you state insurance commissioner and file a complaint, mine in California was very surprised of this behavior and will open an investigation. Insurance companies are NOT FREE to charge what they feel, this is regulated business folks! Remember, this is your money handed over to the insurance company, pending a future withdrawal when a covered expense arises...they are investing your premium at many times the return once it is handed over to them. Also, they have quietly without notification removed the healthy Pet Discount which brought your pets deductible down by $50.00 per year for every year without claims. Mine is down from $1,000.00 to $450.00, It no longer makes sense to hold back on those claims that would be small vs a premium increase for filing...flood them with everything legitimate the policy claims they should cover. This benefit has been removed from the renewals going forward.

Easy and fast reimbursement.

I don’t think Embrace pet insurance is worth the cost. You’d be better off putting the money into an account and saving for when you need it. They have denied everything and the one thing they paid was a few dollars for a several hundred dollar bill.

I have had pet insurance for about five years now. I never needed it until my dog tore her cruciate ligament. After submitting the appropriate paperwork and getting the operation, I was reimbursed almost immediately to the full value of the insurance. they answered the phone quickly when I called. Their website was user-friendly and easy to navigate. Their reception staff were always courteous and knowledgeable. In short, excellent experience and I cannot recommend enough.