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I feel scammed after a decade of paying into multiple policies
I have been with Embrace for about 11 years now. I currently have 3 cats insured and I had 1 cat who has passed, who was also covered throughout her life. Up until recently, I would rave about Embrace and recommend them to anyone looking for pet insurance. My policy is set to renew in a few weeks and I recieved the new documents for the upcoming year and to my surprise, my premium was doubled, without warning. I spoke to an Embrace representative, and the policy for my oldest cat went up substantially. The representative told me it was due to age (my cat turned 12 this year) and they could "look into ways to reduce the cost" but in doing so, the coverage would be decreased as well. To say I am disappointed is an understatement. My oldest cat had some major health issues in the last few months and we almost maxed out his benefits for the year in a matter of weeks. All of my pets have been insured with Embrace since they were young (all before they were 2 years old). There have been many years that we did not make any claims for the year, beyond their wellness rewards. I insured all of them with the maximum coverage available, knowing it was an investment for their future. Though they didn't need the coverage as much when they were young, I knew as they got older, they would, and I wanted to be prepared to take on any medical issues that came up. Now I feel that they raised the premium for my oldest cat based on the medical issues that came up recently. His medical issues were not pre-existing and up until he got sick recently, we again, hadn't used his insurance beyond his wellness needs. This price increase seems directly linked to his recent illness and I have no choice but to pay their ridiculous increase, so that my boy will have access to the medical help that he needs. Embrace also knows that if I cancel my coverage to look for a different insurance company, all these current illnesses would be considered "pre-existing " and they would not be covered with a new policy. My cat who passed away, who was also insured with Embrace, was 15y when she passed. Not once did Embrace increase her premium due to her age, like they are claiming is the reason for the new increase for my boy. But she also didn't have as many claims in her golden years as her brother is having, which seems very suspicious. My cat has been insured with Embrace since he was 6 months old. I've paid thousands of dollars over the last decade to Embrace, and now that we need the coverage they are doubling what we have to pay just to keep him insured with the same amount of coverage that he has had his entire life. I feel scammed and I know I have no choice but to pay because he needs to be insured. Embrace, please be more clear in your policy that if your pet becomes ill and uses too much of their insurance, you will increase the price to retain the same amount of coverage. That should be known to customers upfront since pre-existing conditions limit the coverage and ability to change providers. I am saddened that Embrace has put me and my pets in this position. I have been paying into this company for over a decade, knowing it would be an investment for when my pets as they got older and medical issues would inevitably start to arise. Now that we are using the insurance more regularly, they are increasing the prices as a punishment for needing it. UPDATE: In response to Embrace's reply: My premium has been DOUBLED. This wasn't a slight inflation price increase based off the factors you listed. This is a 200% premium increase. I pay about $200 a month but now I will have to pay $400 a month for the same amount of coverage.
Insurer: Embrace
By: Nicole
It was very simple and easy
It was very simple and easy. We unfortunately have had to do a handful of claims and everytime the process has been very easy and fast! Very worth getting it!
Insurer: Prudent Pet
By: Ramona’s mom
Unsatisfied Service I keep sending all required medical…
I keep sending all required medical records for Sabrina. However, I continually get emails that you haven’t received them and eventually have my claim denied!
Insurer: ASPCA
By: JOHN
Pets best is honest and reliable…
Pets best is honest and reliable coverage! Claims are easy to submit but can take a couple weeks to process. In the end, they always reimburse what your elected plan covers. It’s has already saved us over 10K in medical expenses for our unlucky, but very loved cat.
Insurer: Pets Best
By: Karishma Cantarero
Efficiency is everything!
I really appreciated the fast service and having all of my concerns / questions answered immediately, also the leniency given as I am a new customer to this company and they were willing to give some leniency regarding my payment as I've had issues with my bank account., very much appreciated! I recommend Sonnet to anyone looking for fast, efficient services.!
Insurer: Sonnet
By: Heidi Fraser
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
Never had any issues with Embrace Pet…
Never had any issues with Embrace Pet Insurance in over 5 years!
Insurer: Embrace
By: Sandra Barbo
Embrace Disappointment
My Pet has been with Embrace since he was born and their service has always been a five star experience. Up until I had a claim from 2023 that I realized I never submitted due to ongoing hospitalizations, having two strokes and now I suffer from seizures. When asked if they could please make an exception, the representative placed me on hold for several minutes to ask a manager. I was then asked if I had other claims I planned to submit and I said yes (2) . Due to a recent dental surgery my baby needed. He had abscess, bloody stools etc. She then placed me on hold again, came back and said they would not honor the old claim. I was full of disappointment because I have not submitted any claims since 2021. My plan increases from paying 54, 70 and now to over 120. I just told over the phone I hope you feel better. I just don’t understand where the compassion within this conversation was and ended. I’ve been in the Healthcare industry for over 25 years and I would do everything in my power to help a patient and within the community.
Insurer: Embrace
By: Yvonne Montone
Healthy Paws is a great company
I've been insured with Healthy Paws since getting my first dog in 2017. Healthy Paws is great to deal with and they make filing claims very easy. They have excellent communication and keep customers updated with their claims process. Payments also arrive quickly. I'm very pleased with the company and recommend it to anyone!
Insurer: Healthy Paws
By: Philip Krajewski