Embrace | Pet Insurance Review

I've had Embrace insurance for my beagle mix for a little under a year. I got the renewal quote in the mail and was surprised by the amount it went up, going up from $565 to $640. I called to ask why and the representative that Embrace will raise my rates every year by 10% because my dog is over 5 years old. If she lives a long time and they increase rates by 10% every year, this insurance is going to be very expensive. I did a lot of research before choosing Embrace, and I have been very happy with their response time to our claims, and they have always reimbursed my 80%. But this 10% percent increase every year just because my dog is now 6 years old is crazy. I would be more understanding if my dog was over 10 years old, but everyone calls her a puppy and yet I'm paying elderly dog rates. I'm no longer recommending Embrace to my friends and cautioning them that even the best companies will increase your rate $75 for no reason. I haven't decided whether to renew or not this year or switch to a different company.

Their rates, customer service, and coverage are excellent. But their claims process is another story. Even though you have an itemized receipt/invoice from the vet, they require you to have the vet fill out a separate claim form for them that lists exactly what the invoice already has on it and have it signed and stamped by them before they will accept it. This has been a huge hassle, and was contributing to a negative relationship with our vet. We had to cancel the policy and change to another that doesn't have this added layer of work... I would not have chosen this company had I known this beforehand.

When I was looking for insurance for my new puppy Molly, I couldn't find a plan for both illness and wellness -- except for Embrace. Fortunately I've only needed the wellness part so far. Reimbursements are quick and can be done on line. I'm very happy.

My dog had surgery to repair a fractured leg and when I submitted the claim, Embrace quickly and efficiently responded. Even when they were busy processing other claims, they maintained constant communication with me and was able to process my claim within two weeks. I am very pleased with their services.

I recently added my 4 dogs to the Embrace insurance plan.The cost is reasonable and gives me peace of mind.I included the Wellness plan so I could get coverage for heart worm meds.etc.The insurance plan has paid for itself for the first 2 months Inhave had it.The claims were addressed within 24 hours and checks arrived within a week of my visit to the vet.I am referring all of my friends !