While I appreciate the idea of insurance...I have struggled to understand what is and is NOT covered. I thought that an injury/illness would be covered up to the % we selected - not subject to the deductible - which seems to be applied to our wellness plan. It is somewhat confusing.

They drop old dogs when they get to costly, garbage company

I've been trying to sign up through work for weeks, but your site has been giving me errors every time I tried. Now, that I'm signed up, it's fine, but trying to navigate your site's bugs has been frustrating.

The cost of my dogs insurance is now more than my own. You people are ridiculous. $200 a month from what used to be originally around $60 a month. Constantly hiking up the costs. You called it an increase due to the cost in the area but the costs have not changed AT ALL at my vet. This is directly tied to the fact that I now have hit his lifetime deductible for his skin issues and now you actually have to start paying something towards his care so you're balancing that by jacking up the rate. Congratulations on making pet care as shitty as human healthcare. Well done. I'm sure your shareholders will applaud.

This pet insurance has been the worst experience so far. I've had nothing but trouble when trying to use it. They always claim it's a pre-existing condition. My teacup Pomeranian has short legs, which means when he jumps too high, he dislocates his kneecap (luxating patella). The vet says he needs surgery to stabilize the knee joint after a tear of the cranial cruciate ligament, and that surgery costs $3,800. But this insurance company denied my claim, saying it was a pre-existing issue. It's so frustrating to pay for insurance all year, and then when you actually need it, they just won't cover anything. I definitely don't recommend this pet insurance. They only care about the money and don’t seem serious at all!

I've used Embrace for seven years and have no complaints about the coverage or reimbursement process, but for the second year in a row the premium for one of my dogs has spiked significantly.

I am already disappointed in a company who I thought values the customer and demonstrates integrity.

The policy changed hands to another company and is terrible now. The total monthly premium costs the same amount as the deductible. And there is a very low limit for coverage annually. I’d be paying out $1400 annually for a $2500 limit of coverage. It honestly makes more sense to just put the money in a savings account every month.

I get the Pet Insurance so that I can be able to go and do the things that I need to do for my animal so I can afford it. Just to find out that I have to go and pay for a physical examination first before you’ll even consider ensuring them, which is also covered by the Insurance no I didn’t end up going with a plan.

Not a great experience with these guys unfortunately. The first claim we made took 5 weeks to process. All communication was restricted to the app. Price was increased by 15% after 5 months. The PDS (Product Disclosure Statement) is not available in .pdf and only on the app. Additionally the app PDS does not share the details of the $ coverage for each aillment (i.e ticks), making it difficult to compare to alternative insurance providers. I've switched to Budget Direct who were significantly cheaper, provide a detailed PDS in .pdf via email and have both an app chat and call centre for any claims/questions.