Embrace | Pet Insurance Review

Just submitted my claim and will update star rating once the process is complete. Submitting the claim was very easy, so I'll go with 4 stars for now.

The portal customer service and interactions. It makes it easy to file a claim for our fur baby.

So far Embrace seems useless. I’m paying close to $140 a month for pet insurance on a 10 month old pup. I took her to the vet for an ear infection and Embrace won’t reimburse my $250 vet bill because they are claiming it’s a pre-existing condition. The dog hasn’t had an ear infection since she was 3 months old. She was given medication at that time and it cleared up. I’m probably going to keep the insurance until she is spade and then drop it. Seems to me like I would be better off putting the $140 a month in a savings account for when things happen. Waste of money..

My premium was raised over 115$ in less than a year … that last 14$ increase was because of breed change . Now keep in mind when taking out your policy they do a complete medical records check - but apparently since my vet listed my boy as a German shepherd instead of a Belgian , the last claim we put in , that constitutes a 14$ payhike… also takes months to settle claims … not good … go somewhere else . In response to embraces reply - the only reason given to me for rate increase was “breed change “ that is after emailing 2 diff people . Again , his medical records from beginning of start of policy did not change / his breed did not change …and yes , I cancelled my policy with your company after paying a year of premiums . Dont know why you couldn’t find my acct - listed under very unhappy customer 🫤

I was so glad to get pet insurance to be at ease. My fur baby needed a special surgery because he could not be neutered the normal way. They will NOT cover his special surgery or the $300 ultrasound required before the surgery.