Embrace | Pet Insurance Review

Embrace, like all pet insurance, is a racket. Although I had no accident or illness claims, my year over year premium increase was over 100%. I have canceled my policy. Their customer service was always friendly, but rarely competent; unfortunately my experience of claims, underwriting and sales tactics fall into the lowest decile of all insurance companies I have dealt with. Pet insurance as an industry has grown in size by leaps and bounds. The industry needs the attention of a large number of States' Insurance Commissioners to review current practices. Overall, Embrace was expensive and difficult to extract concrete answers from.

They make you jump through so many hoops for approval. Asked for 2 major reports and i provided them. Now they’re asking for more which is deceiving. They’re trying to deny me. Do better!

Improved webpage is nice!

We went through an extremely difficult time when our pet experienced a traumatic injury. Embrace helped us to get through it. They minimized the financial stress by paying the hospital bills within a reasonable time. They were professional and polite, even kind. I would definitely recommend Embrace. Just be sure you have all your paperwork!

Embrace seems like a great insurance on the surface, but when you actually go through the claims process, they try and try hard to throw as many excuses, i.e. medical records b.s., to not pay out claims. This has been a disaster of experience dealing with this Embrace Pet Insurance. They have finally paid out some claims but not all that they are suppose to, and every single claim has been like wrestling a gorilla. In addition they raised my monthly premium 100% over the first year and only year I have been with them. I do not recommend this insurance to anyone.