Embrace | Pet Insurance Review

This insurance is a joke and has never been worth the money. I've paid this sleezy company SO much more than I've ever received, and I definitely would have been MUCH better off just putting money in a HYSA or a market ETF for my pets. Embrace will jack up their prices so much every year that at this point I would have been paying almost $400/mo for four mostly healthy cats, only one of which is elderly (and I still almost never used this insurance for him). That was with an annual coverage limit and a $1000 deductible (per cat). I had to remove my oldest cat due to cost and it was still $250/mo. What a scam! I had felt trapped because one of my other cats was 12 and until recently most insurance companies wouldn't cover cats age 12+. But now Spot does! I went with them and I'm paying more than $100/mo less than I was with Embrace. This insurance is just for emergencies (no insurance company is worth it for anything routine or even for covering most conditions), and I hope that in a year or so I'll have enough saved to cancel it entirely.

It's quick & easy to fill out.

When submitting a claim, the select provider box is unacceptably slow to respond

A Plus First Time going to emergency vet with my pup. The vet gave me an itemized receipt I uploaded and sent it via the app and even received the funds back in a week. I was impress how easy and quick it was. The only thing I regret was having a high deductible which I chose when I started.

Customer service rep explained everything to help me decide on plan choice. Reasonable rates with option to assist in wellness visits and regular meds. Almost half the cost of my previous insurance premium, which only covered accident/illness