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Disgusted doesn't even begin to cover it PT2.
Because I can’t reply to your response, @Embrace, I’d like to set the record straight for anyone following this issue. The acquisition of Embrace in late 2023 by private equity firm JAB Holdings, who now owns more than 10 pet insurance brands, should not be ignored. According to JAB’s 2024 Annual Report, their strategy is focused on using acquisitions to drive revenue growth, and they explicitly highlight “above-industry growth” in pet insurance, attributed to “partnership activations,” “premium increases,” and new business writings after consolidation. So while you keep telling me my 200%+ rate jump is due to “normal aging and inflation,” your parent company openly reports that profit growth comes from raising premiums after rolling up multiple pet insurance companies. JAB’s own report states that their North American pet insurance platform, Independence Pet Holdings (which includes Embrace), posted “core brands GWP [gross written premium] up +30.7% vs. last year” and touts “rate optimization initiatives” as a main driver of that growth, not just rising vet costs. Just here on Trustpilot, at least four of the brands that have been bought out by JAB Holding Company have received garbage ratings from consumers, with the most of them centered around astronomical rate hikes, frequent claim denials, and sudden policy cancellations without no notice. Does that sound familiar? It’s disingenuous to blame these rate hikes solely on my dog’s age or veterinary inflation when the real catalyst is a private equity group, now holding a billion-dollar portfolio in pet insurance AND veterinary services, seeking returns through aggressive price hikes after acquiring trusted consumer brands. These financial maneuvers are spelled out in "JAB Holding company’s Annual Report 2024" explaining their investor filings for anyone who cares to look. If you’re going to triple premiums, at least be honest about the reasons: it’s not just about our pets getting older, it’s about your shareholders’ profit targets.
Insurer: Embrace
By: Brian D.
diagnosis list confusion
My issue is the fact that the diagnosis my dog is being treated for, osteosarcoma, is not included in your diagnosis list. other than that you folks are great.
Insurer: Embrace
By: JOANNE LARSEN
Embrace Pet Insurance through USAA
Having Embrace Pet Insurance through USAA has really made a difference in taking care of my little fur babies. I wish I could have had this insurance much sooner for my past pets.
Insurer: Embrace
By: Connie Frederick Garcia
Service sucks
Can't get ahold of anyone On phone Can't make heads or tails of their website
Insurer: Prudent Pet
By: thelonestaratt.net
Been looking,& searching
Been looking,& searching. Best coverage for my baby…TY
Insurer: Prudent Pet
By: Jul_rammsn.com
Highly recommend
In a very stressful situation with my sick kitty, having this insurance at least relieved the stress of the financial burden. So grateful to have this peace of mind, and would recommend Spot to anyone with a fur baby!
Insurer: Spot
By: Shawn K
Easy
Easy, website is easy to move though
Insurer: Spot
By: Crystal Dawson
They helped me with my bill when I…
They helped me with my bill when I needed it the most. They are great for emergencies.
Insurer: Spot
By: Donna