Embrace | Pet Insurance Review

I loved them year 1, but now I am in year 2 and my rates literally doubled +. I had to reduce coverage to make a semi reasonable payment. I live in Washington were vet expenses are ridiculous so you cannot be without insurance for your pets. I did call to "complain" or more accurately understand. She said you are not penalized for filing claims, rates are determined by inflation, deductible and coverage. So basically I will now be paying even more on the back end since many things are not going to be covered. Excellent customer service and they are pretty easy to use once you figure out how to do it.

Customer service person was very nice and knowledgeable… I’ve only had embrace for a short time but every time I’ve called customer service, they’ve been very nice to deal with

First time we filed they responded back with multiple requests to get records from the vet. After 2-3 exchanges they said we could apply the amount to the deductible. Second time I tried to file, repeat…send more paperwork and more paperwork, and again more paperwork. Obviously trying to wear you down to give up. Then after all paperwork my dogs claim was denied as a “illness” rather than injury. He injured his arm muscle playing with another dog. How is that an illness? Bottom line is they won’t pay. One major insurance scam after another. Do not waste your money. I spent over $1,000 here and could not get a $175 claim paid when I needed it. Just put $100 in savings every month and your better off.

I haven't had to file any claims yet, but have talked to support several times to adjust our policy and pay premiums. They are knowledgeable, very helpful, and resolve every question quickly!

Soooo easy!! Communication was a bit difficult but it was basically done for you! I would ask a question and not get a proper response. But then a few days later get the right answer! Very weird but I’m so happy we had this coverage! Also confusing as to what is covered in the future!!! Guess we shall see!