Embrace | Pet Insurance Review

Friedly and very helpful staff. Without Embrace many couldn’t afford to have a pet animal. So, thank you for your being there for us and our beloved pets.

Too Slow with their clams.

Very slow claim process and had to do all the work for the insurance company. My time is precious, why am i doing your work? I should have to call doctors. Cost friendly compared to other companies, however, other companies pay 100% of everything. Just got my claim today, two months later. Wasnt the greatest experience.

Well let me tell you if if you had a pre existing condition or don’t know you had a preexisting condition:check with you Vet before buying this insurance. We did not know because a phrase called (choppy gate) which in the ‘doc notes’ which you don’t see unless you ask see we were told no existing conditions but when we filed a claim sure enough the doc note had this so no money for any of my claims. So I paid 2 month premiums and unfortunately my dog passed away and we got zip due to a librella shot that killed him due to osteoporosis (choppy gat) So $1500 with only about $300 reimbursed be very aware very aware plus it took almost a month for them to decline my claims awful company I’m not happy

I would never recommend Embrace as a long-term safety net for senior pets. Trusting Embrace Pet Insurance was my biggest financial mistake. After more than six years and five pets insured, my monthly premium jumped from $347 to $647 at renewal, an 86.7% increase. I have accepted premium increases for years, but nothing remotely close to this. When I escalated the issue to Embrace's senior management, I was told my only options were to pay the increase, reduce my coverage, or cancel it altogether. There were no loyalty accommodations, grandfathering provisions, or retention options. I also asked whether future renewals could see increases of this magnitude again. I was essentially told that premiums are determined by the underwriters each renewal, meaning there is no cap and no guarantee that another increase like this couldn't happen in the future. Now I'm trapped. My senior dog's age and medical history make switching carriers unrealistic because much of his history would be considered pre-existing. My advice: research carefully before choosing a pet insurer, and avoid Embrace Pet Insurance, they will punish you for years of loyalty!