Embrace | Pet Insurance Review

I insured my two cats with Embrace for a year. The insurance appealed to me because Embrace touted how they would cover ongoing conditions beyond the first policy year and not consider them pre-existing conditions at renewal time. However, a close reading of the fine print revealed that coverage for ongoing conditions would be considerably reduced after the initial policy year, a stipulation I had to really dig for in order to find it out. Worse yet, when the first year's coverage approached its end and renewal time came up, Embrace jacked up the premiums by more than 40%. The initial premium was very competitive, but the second year's premium was outrageous. I felt that such a huge premuim ncrease for the second year almost amounted to a bait and switch tactic. Needless to say I didn't renew!

I would have never expected to get a call from the CEO of a company but it happened today. I had a different understanding of a possible Cruciate Ligament injury then what the customer service rep informed me. I received a phone call from the CEO herself asking how she could assist, after a brief conversation we resolved the issue. I have never had the CEO of a company call me in regards to a complaint before and that shows that they truly go above and beyond to resolve issues. I'm expecting many years of enjoyable service with them...

I have two dogs. One needed patella surgery 2x which is considered congenital. Embrace paid handsomely, just as it stated in the policy. There was no hesitation and no problems. They just paid all claims. Amazing, when you hear so much about rip off companies--this company is great! I will always use them if I have pets. My other dog is healthy but you never know. What if I didn't have this coverage, I would be in so much debt. I recommend Embrace to anyone who loves their pups, cats, etc. There is no choice for me. And their customer service is fantastic-everyone is so polite, and helpful-it's like they all have stock in the company. I wish every company was run like this one.

We have two Great Dane companions, a breed known for having health issues. Knock on wood for two years we haven't needed our policy, but when our deaf boy began struggling with recurring pneumonia, Embrace has done everything to be helpful and responsive. He's still being treated, but we've already recouped all of what we've paid in premiums for both dogs. Plus, they always ask how he's doing in our email correspondence. They care and they work for you!

I just wanted to say that Embrace is legitimate in everything that they do. They are sincere and caring and genuiely care about pets and their owners. I only had a policy for about 2 months. My little girl had severe genetic heart problems and Embrace covered everything to make her comfortable. For the treatment and the price Embrace cannot be beat by anyone..... When the time is right for me to get another puppy I will for sure buy another policy with Embrace.