My policy has gone in ten years from $360.00 per year to $3600.00 per year for the same amount of coverage.

Reply from Embrace Pet Insurance

The customer service is fine, I'm giving this low rating due to the ridiculousness of their pricing algorithms. My pet's policy is set to renew in October and the monthly premium increased 68%! Yes, you read that right, 68%! I don't even know how that's legal? But I'm stuck with the policy since my dog has allergies (a pre-existing condition), otherwise Id go elsewhere. Shame on you, Embrace.

My dog was insured for 9 years. We never filed a claim. The past two years the policy doubled. $45 to $90 causing me to changed the deductible to get it to $70. This year it doubled again to $158. I cancelled it. Crazy. Worse than BlueCross for humans

Embrace won't accept your claim if you wait. I held on to my receipts from the entire year to handle all at once. They won't accept my claims from earlier in the year because my policy renewed during that time. My pets were covered during that time. They received covered services. There should be no time limit to file a claim.

Unfortunately, I find myself following in the same footsteps of many one-star reviews. Initially, I told everyone, who would listen, how happy I was with my Embrace Pet Insurance Policy. My policy started off at $47 per month and grew rapidly from there. By year seven, my policy with the same coverage, was $225 per month. By year eight, my monthly premium increased to $425 per month, that’s a 900% increase over the starting cost. Similarly, I was told it was because of my dog’s Breed and age. However, a quick price check with Embrace’s cost on-line tool, using the exact same parameters, zip code, age, breed and exact coverage (limits and deductibles) showed a $200 per month discrepancy. So clearly, I wasn’t being charged the going rate for my dog’s breed.

Embrace is a scam - they keep your "wellness" contributions if you dont' use it within the fiscal year. The wellness savings is marketing as a savings plan for your pet, but they don't give customers any warning about using the funds timely. They claimed they give customers verbal notice only of it. They not have over $200 of my money that is just for their own pockets. Cancelled my insurance with them

Brought my puppy in for a little temporary leg soreness making her limp. I knew it was going to cost $100+ but the one thing I could rely on was a sick visit being covered. Long story short, they declined to cover and said their 6 month orthopedic issues clause prohibits those kind of claims in the first 6 months. I knew of this clause and would have waited another month if I remotely thought they would actually stick me with this clause. Well they did. No diagnosis of anything orthopedic but I got a $160 bottle of anti inflammatories for her in the end.

I was paying a high premium each and every month for my two dogs and that is now increased up to $120 a month for both my dog. This is the second time I tried to use my insurance I’ll pay for something which is what you get insurance for in the first place. First time I was denied the second time now I only got less than half had to pay $250 deductible, which is crazy after all I pay each month.

Your customer service sucks. You may be good at pet insurance but 20 minutes to get someone to answer a phone call is pathetic.