- This topic has 11 voices and 9 replies.
-
Posts
-
Hey everyone, I’m thinking about getting pet insurance for my dog and Embrace is one of the companies I’m looking at. I’ve been reading online and seeing some mixed reviews, especially on Reddit, about them denying claims and raising prices. For those of you who have experience with Embrace, could you share if you think it’s been a good value? Have you had trouble getting claims paid or have your monthly payments gone up a lot? Thanks for any help!
Some people think pet insurance isn’t worth it at all. They say you might be better off just putting the amount you’d pay in monthly premiums into a savings account each month. For example, if you pay $50 a month for insurance, over a year that’s $600 you could have saved for vet bills instead. Unless you have a really big emergency, you might end up spending less this way.
After my Embrace premium almost doubled from $165 to $230 a month even though my 5-year-old large breed dog had no claims, I started looking at other insurance companies. Other companies were quoting me around $170 a month with terms that looked much better for what I’d have to pay if something big happened. It felt like Embrace was getting too expensive for what they offered.
I tried to get a claim for my dog’s liver problems covered by Embrace, but they denied it saying a case of “bloody stool” from almost three years before was a pre-existing condition. I had already paid about $1400 for tests and medications, and now I’m paying around $90 a month for insurance that doesn’t seem to want to cover anything for me.
I’ve been with Embrace for a while now, about 7 years, and while my monthly payments have gone up from around $65 to $120, they’ve also paid out a lot for my purebred boxer, something like $25,000 for emergency vet visits, surgeries, and other issues. For me, even with the price increase, the amount they’ve covered makes it worth it.
- You must be logged in to reply to this topic.