Embrace | Pet Insurance Review

Customer Service Rep was of great help getting the account established and apply all the discounts available for us.

The Embrace customer service experience is second to none. Every time I have needed assistance, they have treated me and my need with respect, courtesy, and diligence. They care about their pet parents. Also, the value for the pet coverage is 100% worth it. After having experienced caring for a very ill pet that required many vet visits and subsequent large vet bills, I know first hand how valuable Embrace Pet Insurance can be. They saved me thousands of dollars as well as providing me and my fur children with a first class customer service experience and care.

Embrace is always quick to respond to your claim & their representatives are always very nice & helpful on the phone.

Winston broke a bone in his front paw. It was a Sunday so we took him to emergency care. He had X-rays , exam , sedation and give three meds to take home. We just got the claim finalized and the exam not covered ( we had declined ) and the meds not covered. Same reason. So a bulk of it was applied to the deductible.

Hate to have to give this rating but I have to. I have been with embrace for about 4 years. I received the quote for next year and my jaw dropped. I understand as a pet ages the cost for renewal goes up. It works the same way with humans. Every year it would go up around $100-200 but not this time. I paid about $700ish for all of 2025 and next year is about $1300ish. Almost double, this is insane. It was this year that I discovered he has Cushing's Disease and gallbladder sludge, what a coincidence. I believe this is deceptive practice because in "pet insurance" world, if your pet has a pre-existing condition, you can't just up and leave to another insurance. I feel this is how they trap you because they know that you do not have the freedom to just up and leave. Now you just have to settle on the exorbitant price increases. They will hit you with this copy/paste message " Embrace evaluates our premium increases annually based on our entire book of business focusing on several factors, including the age of the insured pet(s), the tenure of the policy and also factoring in veterinary inflation. This includes not only rising veterinary costs but also the recent advances we are seeing in veterinary care. We strive to find a balance in maintaining quality coverage for the pets that we insure, while also factoring in changes in the marketplace." This is just an excuse to lighten the blow to you. I reiterate, the reality is if your pet develops a condition under their policy, they see it as free reign to double, triple, quadruple your renewal because no other insurance will take you now. Be careful. I will be challenging this.