Embrace | Pet Insurance Review

We have been faithful to submit every claim on time, but ONE time, the website was not working and it wouldn’t allow us to submit. By the time we were able to, it was “outside the window” of allowance and our claim was denied. Incredibly frustrating. No flexibility. We will be dropping our pet insurance.

Timely response after filing the claims. I truly appreciate this insurance, especially with a golden! It's proven to be essential and reliable! Thank you!

I am always worried with insurance companies but so far embrace has been great at covering our claims. Very fair and If I get another pet I will add to the policy

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

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.