Embrace | Pet Insurance Review

Communication with Embrace is weak. Like raising prices without prior notice or any contact with my local vet. Deductibles seem almost useless help.

All I can say is that I tried to file a claim, and it seems like all of my dog's ailments were pre-existing, so nothing was covered. They may be suitable for emergencies, but for annual checkups, they're not worth the monthly cost.

We adopted two kittens, both of which I signed up for insurance two weeks before my dog's existing policy was set to renew. Due to that existing policy for my dog, the two cats' policies went up by over 20% on the same anniversary date as the dog's policy. This is a huge oversight on Embrace's part. Each pet should have it's own anniversary date when premiums rise. The way it is set up now is unnecessarily penalizing existing customers. I called in to request that they honor a year on the quoted premium but they could not do it and could not provide any reasonable explanation as to why my two new kitten policies should have to renew at a much higher premium just two weeks after their policies were created. This is asinine.

Embrace has been easy to work with on all the claims I've unfortunately needed to put in for my dogs this year. Turnaround time is quick, and talking to their customer support representatives has always been a pleasant and helpful experience.

I didn't have any claims, and Embrace increased my renewal cost by 27% in a single year. As a result, I cancelled my coverage.