Embrace | Pet Insurance Review

The Extreme price increase is disheartening. I can barely afford MY health insurance (which cost less per month than my pets) I find that ridiculous. I know your response is going to be about vet cost rising, inflation, blah blah blah. A $91 PER MONTH increase is way over the top. I know I needed pet insurance but, having trouble even affording my insurance (which does NOT increase that much per month) and having healthy pets that have not needed anything in the past 10 years it's a ridiculous increase in 1 year. Also, to have to drop coverage parameters just to afford it then be told since I changed coverage, that if I change it again it would be like applying for a NEW policy and have to go through the waiting process again. That is NOT right. I was going to go somewhere else less expensive, but thought if I switched I would have to go through the wait period which I would have to do anyway with you. Some of us want to do what's bet for our pets and have to watch spending due to finances and no cannot afford to even have insurance for them. It's sad it told 6 years for me to afford basic coverage and now I'm back to not being able to afford it again with the HUGE price increase. I am fed up with ALL insurances human and pet. Paying monthly for "what if's" and then you have to jump through hoops to get something back from them AFTER having to pay upfront, Most people can't afford to pay upfront and that's what they need it for. If the monthly cost is too high they can't afford to pay insurance AND upfront.

I've had nothing but a headache since enrollment with this company. It's a pai. To get ahold of customer service. They repeatedly ask for documentation after its been sent. Then when they get the documents they don't read the notes. Refunded me.like 6 dollars. I may as well had kept my 100+ dollars a month since I've been literally paying out of pocket with no re embursement. Customer service reps were very nice though (when you can get one) very dissatisfied with this company and I don't recommend them to anyone.

Very happy with the claims procedure.

Getting into and using your web site is tuff for a 75 yo man. It needs to be more seniors user friendly. How to do that i don't know. It took me almost 2 hours to submit my last claim.

We had Embrace for a previous pet and decided to try them again for our new puppy. Our first year premium was $464. Our second year premium was $571. Our third year was $984. This is all with zero claims. The third year premium was too high for us, but Embrace lets you alter your deductible and reimbursement percentage to bring down the price which we did. Then our dog ate a foreign body and ended up having $12K+ medical expense. Embrace covered the amount we expected given our coverage. I submitted the bills on a Saturday and the money was direct deposited by Tuesday so I can pay down our maxed out credit cards immediately.