Embrace | Pet Insurance Review

I was an Embrace customer for over 13 years and used to recommend them to everyone. Sadly, I can’t say that anymore. This year, they raised the premium on my 15-year-old chihuahua from about $2,000 to over $10,000 annually — even with the multi-pet discount. The plan only pays out a maximum of $10,000 per year, so the new price makes the coverage essentially worthless. They’re pushing us off the policy without technically cancelling us. My dog has been insured with Embrace since he was 3 and had more than a decade of healthy years with almost no issues. Now that he’s developed two conditions that count as pre-existing, no other insurer will cover him in any meaningful way. After more than a decade of loyalty, we’re left uninsured when he needs help the most. When I called Embrace for an explanation, all I got was a canned response about “state-approved rates” and rising veterinary costs. Yes, vet care has gone up — but nothing justifies a five-fold increase in one year. Because of this experience, I’ll also be removing my younger dog from Embrace. A company that treats long-term customers this way does not deserve our trust.

Embrace provides a very easy claims process, with reimbursement sometimes happening on the same day. It also provides great coverage for the money. The support staff is empathetic and very helpful, even offering suggestions to lower premium costs without jeopardizing coverage. We have two dogs who have been covered by Embrace for many years and some serious medical issues.

I just signed up for my 2 cats after my last company jacked up the premium for one cat from $160 per month to $550. The person I spoke with was pleasant, clear and informative. The sign up process was easy and quick. The rates were very good. So far, so good.

FIXED A PROBLEM IN A TIMELY MANNER.

My dog was hit by a car and Embrace were very helpful when I called them about this. I submitted all the paper work and received payment within a few days. Would recommend them Easy to use system for claims and extremely polite staff.