Embrace | Pet Insurance Review

Terrible Experience – Would Give Zero Stars if I Could! I can’t believe how misleading this company is. The hidden costs are outrageous! They lure you in with seemingly good deals, but then you’re hit with unexpected charges that were never disclosed upfront. It feels like a total scam, and I regret trusting them. Highway robbery at its finest. Do not trust them! Save yourself the headache and go elsewhere.

Very easy to work with. Pay claims quickly and answer questions whenever I call. Very happy with Embrace.

Embrace was nothing but responsive and quick to help with our medical emergency for our dog! Friendly customer service and we were reimbursed very quickly!!! I would recommend 10/10!

Frustrating to submit 3 invoices as her condition did not improve and xmas eve original vet closed so had to bring her to ER vet. Your software only takes 1 hospital and invoice and yet you state you want all of them together. Impossible. As if this whole experience is not stressful enough.

Pet insurance is an incredible resource when it comes to managing the financial burden of unexpected pet-related expenses. However, I’ve encountered a frustrating issue with Embrace Pet Insurance that feels both unreasonable and unfair to loyal, paying customers. The inability to increase the reimbursement percentage and amount on an existing policy without triggering additional waiting periods is unreasonable. This policy effectively turns any pre-existing condition your pet has into a permanent limitation if you wish to adjust your coverage. Additionally it does not consider how accidents may cost more than what the customers anticipated at the beginning of their policy. An embrace representative stated that any increase of policy, regardless of when it’s done will result in current conditions or injuries becoming pre-existing and no longer covered under the insurance. This basically means that you are stuck at the amount you first selected when you initially started your policy. As a paying customer, I find it disappointing that policy adjustments aren’t more flexible, especially when the goal is to provide the best possible care for our pets. While the coverage itself is valuable and reimbursements are reliable, this limitation is worth considering before choosing Embrace.