Embrace | Pet Insurance Review

Had Embrace for 3yrs now and never really had a problem until now. The first year I had Embrace for my Frenchie Bruno, I was paying around $100/monthly and then the 2nd year it got increased to $130. Now that I have been on for 3yrs about to renew, I got an email explaining how my monthly premium is increasing to $198/monthly!? So I called Embrace to see why am I being kicked in the face like this, considering I have Allstate insurance for my house and auto as well (Embrace is Allstate partner and why I originally got them) and I was told that the reason the premium is increasing is because the age of my dog and because of the vet that I go to (my vet is considered expensive??) like wtf? My dog is 3 years old and they are considering him a high health risk?? When I have never had any health problem yet with my Frenchie which is absurd.. the coverage I had from Embrace was 80% coverage // $10k max benefits // $500 deductible and they wanted me to pay $200 monthly after my renewal for the 3rd year after only paying $100-$130 for the first couple years of the same coverage —— I was so upset that I found another dog insurance with the EXACT SAME COVERAGE but this insurance company is giving me 90% coverage instead, at only $98 a month.. PEACE OUT Embrace! ( my response to Embrace: I understand insurance premiums go up over time.. I’m 37yrs old and have had numerous insurance policies and NEVER have I had a premium jump like that which is literally 100% increase in just 2yrs?!? — you guys are charging me what I’m paying for my actual children, just for 1 dog that’s only 3yrs old who is literally in his prime stage of life.. $200 monthly for one 3yr old dog is ABSURD!! So in other words, dealing with companies like this one, the loop hole would be to switch up insurances every 3-4yrs to reset the premiums (if dog is completely healthy with no past history) because there’s no way I found another company in 1hr, giving me better benefits for 50% less than what you guys are trying to take from me.. this company is taking advantage of people during bad economical times right now and it’s a shame..)

As others have stated, they're happy to take your money, but when your pet has a medical issue, they will deny deny deny your claim. They will do so even after you have provided them with all the documentation required. They'll demand additional info and/or verification that they know you will not be able to provide. Embrace is just another duplicitous greedy self-serving insurance company that prays on your unparalleled love for your pet. Unfortunately, pet insurance is a bill of goods. A complete rip off.

I just swapped to this company from pets best. After explaining that an appointment for a dog was a follow up with no symptoms…they’re still not wanting to cover a claim. So now things that would’ve been covered for my dogs (allergies, etc…) are no longer covered. Don’t swap…customer service won’t call you back if you leave a voicemail. Not the company that is worried about your fur babies

Excellent services and take care about your pet

I have been with Embrace since 2019 for a dog I rescued. Not knowing history can be a little hard not to know. I never used it until last month for the 1st time. What was so awesome about it, it was so easy! Not only that but my refund was within days!! Now that’s customer service. Can’t say enough for the first time but it was so easy no hassle. Thank you Embrace 5 ⭐️⭐️⭐️⭐️⭐️ ‘S Julie Meszaros