Embrace | Pet Insurance Review

I have been or rather my furbabies have been clients of Embrace for many years now. Every time I've contacted Embrace by phone or electronically they responded quickly and professionally to that inquiry.

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.

I have no complaints with Embrace other than their APP never seams to work when I need it. Other wise excellent ! Submit claim and in 2 to 3 days your reimbursement is in the bank. Love it! If only personal health insurance was that Easy!!!

Embrace will not cancel when your dog gets old. However, they will raise your rate from $2,500 a year to $9,900 a year for a policy that pays a maximum of $10,000. Embrace met their contracted obligations and advertised statements for 12 years. Approach with caution.

The rep I spoke to was very understanding and said to submit my claim for my lost pet again and she’ll see if they will honor it. Anytime I had questions they were there to help me . It’s great knowing the company is truly animal friendly !