Embrace | Pet Insurance Review

I signed up when my dog was a puppy 13 years ago. Premiums have increased steadily even though she has been relatively healthy. Now that she turned 13, they are effectively forcing me off coverage by increasing the premium to $4,000 for a $1K deductible and $10K limit. If I reduce the limit to $2K, my premium would only drop to $2K. With a $1K deductible, that means I'd have to pay $2K to get $2K * 90% coverage only if I encounter $3K in costs. I've already opted out of rX and exam fees. I started coverage as a puppy to be able to have coverage throughout her life. To have paid them sizeable premiums for 12 years and to be forced out now that she is old is REALLY upsetting. Their claims process is smooth and easy and I have recommended them to many over the years, but right now I feel like they are just like every other cold-hearted insurance company.

Customer friendly webpage; easy to navigate. Easy to make a claim, quickly provide assistance, and reimbursement/coverage occurs in no time.

I’ve never had a single issue with this company. They have always promptly and accurately reimbursed me for all of my claims throughout the years. I would highly recommend this insurance company to anyone.

Very user friendly and speedy results. The only thing I would change is to have a system in which the insurance and veterinary offices could talk to each other directly instead of having the pet owner do the legwork after the fact for a reimbursement, although I know that's not necessarily Embrace's fault but an industry standard (AKA industry minimum).

Easy to talk to and easy to navigate APP