Embrace | Pet Insurance Review

This was my first time putting in a claim and it was very user friendly!! Looking forward to hearing from Embrace.

After some initial frustration understanding the whole "pre-existing conditions" part of things, I have had only very good experience. They are paying out for chemo treatment for my cat - which seems to be helping her. Online claim submission very easy. Paid within a few days. Good experience with phone and email customer service. I thought they would try to find a way to reject expensive things but has not been true at all.

After paying into this pet insurance for a decade, I was shocked when they raised my monthly premium to $500 for my 15-year-old dog—who, by the way, is still healthy, active, and has no major medical conditions. She walks regularly, jumps on the bed, and has only minor joint stiffness. This price increase wasn’t based on her health but on cold, statistical assumptions about senior dogs. It’s clear they’re happy to collect your money while your pet is young, but when the risk of paying out increases, they’ll price you out. It’s manipulative, unethical, and shameful. I canceled and found a new plan with solid coverage for half the cost. This company does not stand by its customers or their pets. Avoid at all costs.

I just went to file my first claim and was very disappointed to learn I had only 60 days to submit claims. Somehow I missed this in the initial registration -- probably because I was exhausted from dealing with a new puppy.

Everyone at Embrace is always so kind and helpful, and we appreciate everything they do for us and our wonderful pup.