Paid premiums religiously. When my cat needed diagnostics, I got a masterclass in insurance bad faith instead of coverage.

The rates have gone up an average of 30-40% every year. This year for my 2 dogs it is going up 258%. It is going from $138.09 to $356.39. One of the dogs went up 320% because he turned 10. The other is only 4 years old and went up 55%. Despite what they say in their reply it is not true. My 10 year old has been insured since he was a puppy. He has never had a surgery! He las low thyroid and arthritis, that’s it!

We are very happy with the coverage we have for our kitty. The claims process is also easy and smooth. We can relax knowing that our pet is cared for.

It is terrible denied my claim because they said his symptoms started in the waiting period where I had already paid for the insurance but was not covered???? Even though it did not and I don’t know what that information is coming from seems like a scam do not recommend waisted 100 dollars for the months I’ve been on not to mention it took them a month to process my claim said I needed two years of vet history or my claim would be denied when I just got the dog a couple of months ago

The off shore reps are hard to understand and they don’t understand me. That makes it difficult to get anything done

I've had embrace pet insurance for years. Never had a claim...never missed a payment. Rates started going up, $80 became $130...terrible..everything's going up..I get it... my dog is now getting older now and they just increase his coverage to $336 a month, if I change to lowest coverage its $160 a month for basically no coverage. Pricing my dog out of care. They know what they just did, that's why they sent me a letter saying what they did is legal in the state of Colorado.

Try to bill you for same service after you pay once cant get ahold of anyone account information screwed up where you have to call just get billing information and alot of website issues.

Never any hassle about the amount and payed in a timely period.

Poor , not very good insurance

Negatives include: that you raise my rates every opportunity you get. You charge my full deductible for every single bump that's removed from my dog - claiming they're different types of bumps. Outrageous. A mass removal is a mass removal and should be categorized as such. While I'm grateful to get some money back on some claims (not all), I question whether paying the monthly rate plus my deductible plus getting zero reimbursement for exams, medicine, or taxes is really worth it.