I have had three dogs insured by embrace for several years. Their claims process was fairly simple, deductible options were fair, payouts of course are never 100% but options were clear. Luckily I have not had to submit very many claims on any of my three dogs for the entirety of the policy and my yearly payment jumped up almost $600 in 2020 and Another $600 for this year. Their suggestion was to increase my deductible and decrease the maximum amount payout and decrease the percentage of pay out I get. Making one slight adjustment to raising my deductible up a level, decreasing their level of responsibility down $2000 and decreasing the percentage they cover, dropped it only $15 on one dog. That’s it. So their explanation was due to my pets age and location I live they have to raise the premiums on that scale. In other words we will take your money for years on end while you file no claims because they are young, then, we will raise your premiums to the point you can’t pay them any longer when they are older and the chances of us needing to pay YOU out, get higher, so we will raise it so much that we would rather you cancel the policy and you just put your dog down and we keep all your money that you paid for years having a false sense of security and ensuring your dogs health needs are met and covered. I guess it’s my fault for not reading some fine print somewhere that said we can hike up your rates endlessly because we are getting worried your dog is getting old and we might need to pay you some money back. I will be looking elsewhere for a new policy that will no doubt gouge my eyeballs out as well but at least I will go into it knowing that upfront. Also if you ever need to get customer service to respond to you, they don’t.