Embrace | Pet Insurance Review

I have been a loyal and happy Embrace customer for 6+ years. I am very quick to recommend Embrace to any pet owners and I am constantly talking about the positive experiences I have had in my time being a customer. However, I am currently EXTREMELY disappointed. My policy just renewed and the premium increase was 40%! I’m almost paying double what I was last year. When I called to see what could be done for a loyal customer, the customer service reps were no help. I am now researching other pet insurance companies to find one that will value my loyalty and commitment to my pets.

Second time submitting for reimbursement of a claim. First time was terrific,very prompt. This is a wellness claim and I’m very pleased thus far.

There was a two month delay in getting my claims processed. I've been paying for this insurance for a while (about 2 years now) but this was the first time that I actually submitted reimbursement claims for a visit, not a wellness check. When I first tried to follow up via the claims portal, the response was from a claims adjuster. She sent a long e-mail talking about preexisting conditions, which was irrelevant to neither of my claims. I found her communications to be rude and unhelpful. I hope the process for future claims won't be as stressful and aggravating as our experience with that specific person was. *edited per request of Embrace to remove the claim adjuster’s name. I see the response that it takes 30 days normally, but it took over twice as long so I still don’t think that makes it okay.

The representative who assisted me was friendly, patience, and efficient.

Roger kept in touch with me day by day. Roger was concerned if I understood the coverage I was getting. He asked questions about the policy to make sure I was understanding the process. It was so much fun talking to Roger. Roger knowledge was incredible about what is offered for dogs.