Embrace | Pet Insurance Review

We have had pet insurance on our dogs for years. We never had too much use for it until the last 5 years. Our mutt needed a TPLO and one of my Newfies needed 2 TPLO's plus an additional corrective surgery. In general we got half back each time. Not impressive. Then I decided to do another review of all policies available and used this site to assist. I switched to Embrace. Recently, the same Newfie who had the three surgeries had a stroke to his spinal cord and lost the use of his hind legs. He had two MRI's plus a myriad of other diagnostics and then spent 2 weeks in a specialty rehab clinic. Thankfully he is doing well. Embrace paid 100% after my yearly deductible (yearly not per incident) and my 10% co-pay (which I chose). They did not cover the bath the clinic gave him - oh well :) Am I happy - you bet. And the folks there are so friendly and helpful - you are not calling a "help desk" or "call in center" - you are talking to real people who care. I've never written a review like this before but this insurance has been a major blessing for us. We are not in a great financial position at this time (who is?) and receiving back almost 100% of this unexpected expense has been nothing short of life saving for us. It is not cheap for us to insure all 6 of our dogs but it only takes one incident like this to prove its value.

I've had Embrace for a year on my 2 Goldens, ages 6 and 7. I didn't have a single claim, yet in my renewal e-mail a few days ago, I was told that my premium was going up by 62% when my policies renew in a few weeks!! I called the company thinking perhaps there was a mistake, but I was told that the e-mail was correct, and that the increase was due to my dogs getting older. What?? Of course dogs get a year older every year!!?? The representative I spoke with was very nice, and apologized for the situation, but said there was nothing that could be done. She said the huge increase was because my dogs were each hitting the age where there was the biggest premium jump across the board, per their underwriters... How can any company justify raising premiums 62% in just one policy year!? All I can guess is that they're actually trying to force clients to leave as their dogs get older. Apparently they're happy to take premiums from young healthy pets, but then they'll turn around and force you out as your pets get older. They told me I could take it up with their underwriters - but since that's Lloyd's of London, I doubt I'll get very far. That's why I'm now looking for a new company...

I paid Embrace in excess of $80 a month for my two very young cats, the first for just about a year and the second for about six months when I made my first claim. I'd taken my just over a year-old female cat to the vet because she had diarrhea. Embrace called the condition pre-existing because 11 months earlier, when I originally brought her home from Petco, I must have told the vet that saw my cat for a check-up a day after I got her, that she had slightly loose stools...not diarrhea. In any event, at that time, I'm sure it was from either fear of being in a new home or a change in her diet from what she was used to. At that time no vet was seen for any specific problem, only to have her checked out since I'd just gotten her. The call of a pre-existing condition was ludicrous. Once Embrace can call a diarrhea pre-existing, anything that remotely has that symptom can be denied by them...anything! It was a tricky and unethical loophole that they were creating to protect themself. Fortunately, I was only out (ahem) about $800 in wasted insurance preumiums, but you can be sure that I canceled my policy the very next day. If you're getting insurance for peace of mind, before you choose Embrace, please consider what I've said.

Thank You for your prompt payment on my wellness claim for Essie. This is my first claim and I am very pleased with how easy it was. I feel so lucky to have found your company.

I'm a new customer with two kittens. These boys had quite a bit of work done(neutering, microchipping, vet check up's. Because I had these things done, my Embrace monthly bill was reduced nicely. I got my claim $$ in a few weeks with several friendly emails. I'm going to like doing business with these people, I think.It's great peace of mind for me to know I'll have financial help, and I'll never have to choose between going to the vet and having enough money to survive.