Embrace Pet Insurance Reviews
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About Embrace Pet Insurance
Embrace Pet Insurance offers coverage for dogs and cats and reimburses pet owners for preventative veterinary care, grooming and behavioral training with no per-item limits. Embrace charges a monthly premium and helps cover expenses if your pet needs emergency medical attention or another service.
Visit www.embracepetinsurance.com- Use any vet
- Offers vanishing deductible
- Accident-only coverage
- Not all policies available online
- No zero-deductible options
Helpful Reviews
How does Embrace Pet Insurance work?
When you sign your pet up with Embrace, you can take them to any vet for the services they need. You are not required to use a vet within a specific network. Once your pet has been treated, you complete the claim form, submit it and are reimbursed for services and treatment covered under your plan.
There are different coverage levels to choose from, and you can downgrade or upgrade your policy at any time. When you insure your pet with Embrace, they are covered for life. Your coverage never drops based on your pet's age or health.
Cancer treatment, behavioral therapy and breed-specific conditions are covered, and the company reimburses you for vet exam fees. Dogs and cats under the age of 15 are eligible for full coverage, and pets older than this are eligible for accident-only coverage.
Embrace has a unique online resource that lists the most popular dog breeds and their most common breed-specific medical conditions. This can help pet owners choose the right coverage for their pets.
Embrace Wellness Rewards program
Embrace’s Wellness Rewards program, which can be added to your policy, reimburses you for preventative care. This includes wellness exams, microchipping, spaying/neutering, vaccinations and flea medication.
There are three annual allowance options for Wellness Rewards reimbursement:
- $250 allowance per policy year
- $450 allowance per policy year
- $650 allowance per policy year
Embrace Pet Insurance coverage
Embrace is transparent about what policies do and do not cover. The company’s website lists the different coverage options and defines eligibility requirements and guidelines for preexisting conditions.
- Accidents
- Accident-only insurance is only available for pets 15 and older. This plan covers your pet if it ingests a foreign object, is cut or is hit by a car. This plan reimburses you up to $5,000 each year. You’ll pay a $100 deductible once a year, and then you're reimbursed 90% of your veterinary bills when your pet experiences an accident.
- Illnesses
- Embrace covers every illness from nose to tail with no precondition limitations. This means if your pet is prone to breed-specific illnesses, medical treatment is covered under your plan.
- Dental issues
- Dental pain can be very uncomfortable and sometimes dangerous for pets. Dental work on animals can also be very expensive. Embrace covers dental treatment for periodontal disease, gingivitis, root canals, crowns, oral masses and extractions. Up to $1,000 in dental work is covered per year.
- Cancer and chronic conditions
- Cancer coverage is included in all plans and includes everything from the consultation testing and radiation to chemotherapy, surgery, hospitalization and rehabilitation. Cancer treatments are one of the most expensive medical treatments for pet owners, and chemotherapy can run $150 to $600 a dose. Cancer coverage means you can give your pet a fighting chance without worrying about how you’re going to afford it.
Embrace Pet Insurance also covers a wide range of treatments including:
- Alternative therapies and rehabilitation
- Behavioral therapy
- Specialist care
- Emergency veterinary care
- Diagnostic testing
- Hospitalization and surgery
- Prescription drug coverage
- Prosthetics and mobility devices
Conditions not covered
The list of what Embrace does not cover is shorter than the list of what it does cover. Basically, Embrace covers treatment and services that are crucial to the health and well-being of your pet, but not cosmetic services, breeding, whelping or preexisting conditions.
How much does Embrace Pet Insurance cost?
Dog insurance costs average around $30 to $40 per month, and cat insurance averages around $15 to $20 per month. Embrace has a one-time enrollment fee of $25 and a $1 monthly processing fee for those who pay monthly.
Embrace lets you customize your plan, so you can choose the deductible, the reimbursement percentage, any riders or optional coverage add-ons and annual maximums. You know your pet and your budget, and Embrace has coverage options to fit them both.
Embrace Pet Insurance FAQ
Is Embrace Pet Insurance good?
Yes. Pet lovers all over the country trust Embrace to help them cover unexpected medical bills for their pets. Embrace is a member of the North American Pet Health Insurance Association.
Does Embrace Pet Insurance cover vaccines?
Vaccines are covered by Embrace's Wellness Rewards program because receiving them is considered preventive or routine care, but routine care is not covered by the insurance policy itself.
Can I use Embrace Pet Insurance at every vet’s office?
Yes. Embrace does not use a network for vets. You can take your pet to any veterinarian, specialist or emergency hospital you like.
What’s not covered by Embrace Pet Insurance?
Embrace Pet Insurance does not cover cosmetic services, breeding, DNA testing or preexisting conditions.
Still have questions?
Is Embrace Pet Insurance worth it?
Pet insurance is a service you hope you never have to use but are thankful to have it when you need it. Embrace Pet Insurance is a reputable company that makes pet ownership more affordable. Having insurance means you never have to deny your pet medical attention because of your finances.
Embrace Pet Insurance Reviews
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- 4,977,043 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed Aug. 27, 2026
I appreciated your employee, thoroughness, professionalism, and patience. She did a great job! This is the second time that I’ve called your customer service. The first time was an outstanding young man who assisted me. I was ready to cancel my policy and he shared some information with me. That changed my mind. He was very friendly. I didn’t feel pressured but informed. Unfortunately, I was tied up and did not complete a consumer report for him if there’s any way you could go back and find his name. I will sincerely appreciate it. He was also excellent so I now have confidence in your company in the pet insurance you offer. I only called twice in both were once again outstanding.
Hello Elizabeth,
We strive to provide exceptional customer service and we're pleased to hear you've had a positive experience with our team members! Thank you for taking the time to share your feedback.
Best regards,The Embrace Team
Reviewed Aug. 17, 2026
My dog needed to have PLDA surgery for a torn ligament, and the cost was going to be $5-$6,000, with my co-pay being 10%. On surgery day, I paid my vet in cash for the 10% co-pay, but my best friend put the surgery cost on his credit card because I didn’t have enough room on my card for it. I really felt guilty about that, so the following week I called to check on the processing of the claim (refund deposit), and asked if there was such a thing as getting it expedited. I explained that I had to borrow the funds to pay for surgery, and the claim rep understood my situation, and was so kind and understanding that she put me on hold to see what she could do.
To my surprise, she was able to reach out to my claim rep and get my claim expedited for me! I was so appreciative. When a company is willing to listen to your situation, understand the predicament you’re in, and try to help resolve it for you, go that extra mile for you, I’m always impressed with that personal touch! There’s so little of it left these days! I will keep my business with a company like this.
Hello Kim,
Our team at Embrace, many of whom are pet parents ourselves, understands the emotional and financial burden that comes with our fur babies being sick or hurt, and we are happy to hear our representative was able to assist you with the completion of your claim. Thank you for your kind words and for taking the time to share your feedback!
Best regards,The Embrace Team
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Reviewed July 28, 2026
We have been with Embrace for a number of years and never had to use them for anything but when the time came that we needed them they were there. We would submit a claim and within days we were reimbursed. Our pet Bear was diagnosed with Lymphoma cancer in March and we tried treatments hoping to buy more time but unfortunately God had a different plan. We had to stop his suffering one week before his 11th birthday. If you are on the fence about getting insurance for your pet do not hesitate. We will be forever grateful to Embrace
Hello Carol,
We are so very sorry for the loss of your beloved dog, Bear. We understand how challenging this time must have been, but we're glad your policy was there to help during your time of need and that the claims process went smoothly for you. Please know we are sending well wishes to you during this difficult time and we appreciate you taking the time to share your experience!
Best regards,The Embrace Team
Reviewed July 24, 2026
We first purchased Embrace Pet Insurance when we secured a a kitten Maine Coon. As the days progressed, it became evident that a cat as active as ours should have insurance since she was into everything you can imagine. She is also a jumper! This is the second time we have filed a claim. The first was for an injury when she fell off her cat tower and this one is for a Well Visit. This breed is also famous for hip dysplasia in later years. Our first Maine Coon died a tragic death, and it cost us $5,000.00 in just 3 days that she lived. We learned our lesson quickly.
Hello Mary,
We understand how important pet insurance is, especially when facing unexpected vet bills, and we are glad your policy has provided some peace of mind and helped to alleviate some of the financial stress. Thank you for taking the time to share your experience and for choosing Embrace to help keep your fur baby healthy and happy!
Best regards,The Embrace Team
Reviewed July 23, 2026
Embrace is a solid insurance company and they are very good about approving reimbursements quickly and fairly once the deductible is met. We have been paying for 3 years and in the past year my pup was diagnosed w/ Cushing’s. This insurance has helped even after all the years paid monthly and the deductible. I’m prolly around 4000, just with premium and deductible after paying for 3 years and just starting claims. So I’ve gotten about that much back in vet bills this year. I’m still down even with the vet reimbursements, and given the fact I renew in August and the premium jumps due to claims this year because my pup will need treatment ongoing once stabilized it still will be worth the extra. Eventually I will break even I’m sure. Highly recommend.
Hello Cheryl,
We understand the emotional and financial burden that comes with our fur babies being sick or hurt, and we are glad your policy was there to help during your time of need. We're also grateful for your continued trust and we appreciate you taking the time to share your experience!
Best regards,The Embrace Team
Reviewed Sept. 29, 2026
This insurance is terrible. Rates go up annually, exorbitantly and they just classified reabsorbed tooth surgery on a cat "teeth cleaning" and are refusing to pay the small amount they actually cover ($1000 on a $2500 a year policy). Absolutely insane reading their reviews on social media now. I cannot believe they were recommended to me. CHOOSE DIFFERENT INSURANCE.
Hello Genie,
We regret that your experience with our company has not met your expectations. Please feel free to reach out to embracesocial@embracepetinsurance.com with your full name and policy number and we're happy to address any questions or concerns you have. We appreciate your feedback and will use it to continuously improve our services!
Best regards,The Embrace Team
Reviewed Sept. 22, 2026
It has been over a month since I filed a claim for my kitten who had a spay surgery go wrong. She was formerly healthy but had rare complications that wound up costing thousands of dollars in treatment. According to their site, they reimburse quickly. Well, a month later and there is no reimbursement. They continue to write that it is 'pending medical history review.' Mind you, there is no history for a kitten and her 'history' is all of 3 vaccine visits. I've sent them the medical history many times, but everything seems to go into outer space.
When I write to complain, bots or maybe humans (?) respond that this will take 30 days. Guess what... It has been over a month. I'm fully not impressed with them. I suspect they have leaned down on labor and are trying to have AI do the work for them, but no idea what the truth is. Either way, I really wish I had picked a different company. My last insurance company was amazing and I should have paid extra and gone with them rather than fooling around with this poorly organized company. The workers are nice (or is it bots responding?). That's the only reason this is 2 stars instead of 1 stars.
Hello Elizabeth,
We sincerely regret any frustration you've experienced with the claims process! The first accident or illness related claim submitted typically takes 30 business days to process as we work to gather and review your pet's complete medical history. If you have any other questions, please feel free to reach out to embracesocial@embracepetinsurance.com with your full name and policy number and we're happy to provide further assistance.
Best regards,The Embrace Team
Reviewed Sept. 14, 2026
I submitted a wellness claim prior to 8/19. I received confirmation it was approved on 8/19. On 8/27 I received an email that I should not cash the check they sent me because they didn’t sign it and another check would be mailed out. Today (9/14) I called to check on it and had to speak with two people and had to authenticate twice after being placed on hold for long periods of time. I was told the check was mailed on 8/28 but it could take 10-14 business days to receive it. They are blaming the post office when I could have used the check I received weeks ago if they had signed it. At the very least they should have sent it out priority since it was their error. This was a very substandard customer experience to say the least!
Hello John,
We strive to provide exceptional customer service and we regret that your experience did not meet your expectations. If you have any additional questions or concerns, please feel free to reach out to embracesocial@embracepetinsurance.com with your full name and policy number and we're happy to provide further assistance. We appreciate your feedback and will use it to continuously improve our services!
Best regards,The Embrace Team
Reviewed Sept. 9, 2026
I was having problems logging into the app on my phone. After calling customer service different suggestions were given and the gall stayed on the phone with me while I tried them. One of them worked! I really appreciated her determination and follow through to make sure everything went as it should.
Hello Lea,
We're glad to hear that our representative was able to address your concerns and resolve the issue. We sincerely appreciate you taking the time to leave us a positive review!
Best regards,The Embrace Team
Reviewed Sept. 8, 2026
I would definitely recommend Embrace Pet Insurance to my family and friends. Representative was. very understanding and took care of the reason I called. If I could, I would give 10 stars.
Hi Felicia,
Thank you for your kind words! We're delighted to hear that our representative was understanding and addressed your concerns effectively. Your satisfaction is our top priority, and we are thrilled to have exceeded your expectations.
Best regards,The Embrace Team
Reviewed Sept. 7, 2026
I have had this insurance for my pet for over 8 years. I have always had fast reimbursement. The customer service has been excellent. I have no complaints.
Hello Pat,
Thank you for being a loyal customer for over 8 years and for sharing your positive experience with us. We are thrilled to hear that our reimbursement process and customer service have consistently met your expectations. Should you ever need assistance, please know that we're here to help.
Best regards,The Embrace Team
Reviewed Sept. 6, 2026
I am 84 and just got a teacup puppy and wanted to get insurance for Hank. It was a very easy process thanks to a patient agent. I have several years ago had Embrace insurance. When I decided to get a puppy there was no question of where I want to go for coverage. My husband passed away in February and so it’s just Hank and I. A relief to know when I call a friendly voice will be there.
Hello,
Thank you for taking the time to share your experience! We're delighted to hear that your recent interaction with our agent was smooth and helpful. It’s wonderful to know that you chose to return to Embrace Pet Insurance for your Hank. We're honored to provide you with support during this new chapter. Please know that we're here whenever you need us, and we’re just a phone call away.
Best regards,The Embrace Team
Reviewed Sept. 2, 2026
Embrace Pet Insurance has provided our family with a peace of mind that if one of our pets falls ill or is injured we aren’t alone. Our dog recently fell ill and had to go into the emergency vet for observation and a battery of tests. Without Embrace coverage we would have been facing a significant bill well beyond our planned budget for the month. The claims process was extremely simple and our claim was processed within a day of submittal. We are very happy with the entire process and their staff.
Hello Loren,
We strive to process claims as efficiently as possible in order to ensure peace of mind when it matters most, and we are glad your policy was there to help during your time of need. We appreciate you choosing Embrace for your pet health insurance needs and thank you for taking the time to share your experience!
Best regards,The Embrace Team
Reviewed Aug. 27, 2026
Embrace has been great to me for little over 2 yrs now, I started with one mini dachshund that I put insurance on and now two. I looked around for best rates and packages and Embrace was the one for my fur babies
Hello Wendi,
We're grateful for your continued trust and appreciate you taking the time to share that feedback. Thank you for choosing Embrace to help keep your furry family members healthy and happy!
Best regards,The Embrace Team
Reviewed Aug. 27, 2026
I've been with Embrace through four dogs now. They have always been professional, helpful, thorough and very compassionate.
Hello Susan,
We're thrilled to hear you've experienced professional, helpful, and compassionate service from our team and we're truly grateful for your kind words! Thank you for taking the time to share your experience!
Best regards,The Embrace Team
Reviewed Aug. 26, 2026
I've had a multiple pet policy with them for years. I moved 18 months ago and recently updated my address with the company. I moved to an area where the policy is less expensive. I asked for the possibility of getting a discount back to the move date, or at least to the start of the 2026 year of the policy. I was told that they have no mechanism to do that. Just my opinion, but I don't really believe that it can't be done. I think there should be a middle ground, or an offer for a discount off or next year's policy? Maybe I'm asking too much.
Also, to get the records to get the policy activated was a hassle and took months to get it activated. Although they said they would get the records, they consistently told me they could not get them from the vet. I had to track down two vets to get records. Two calls and two days later, I was able to get them in paper and electronic sent out. I'm not sure what the issue was. The only other time I've worked with them was with reimbursements on vet bills which was smooth.
Hello Linda,
We sincerely regret any disappointment you've experienced with our company. As an insurer, our policies and state regulations don’t allow us to provide compensation or credits outside of what is filed and approved with underwriting. Regarding your address change, we go off of the first date of notification and are unable to retroactively apply the change to your account to provide a backdated credit.
When requesting medical records, our standard procedure is always to reach out to the vet provider on your behalf; however, there are some vet providers that do not work with insurance companies directly and will only release medical records to the Pet Parent. We are sorry for any inconvenience this may have caused, but we're glad to hear you had a smooth experience with the processing of your claims moving forward. If you have any additional questions or concerns, please feel free to reach out to our Customer Care team and we're happy to provide further assistance.
Best regards,The Embrace Team
Reviewed Aug. 26, 2026
Keli was very nice and answered all my concerns. She asked if all concerns were met before ending the phone call.
Hello Juanita,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,The Embrace Team
Reviewed Aug. 25, 2026
Although we have both accident and wellness insurance, the prescription my dog takes for allergies is considered sickness and accident which is just not right.
Hello Paula,
We regret any disappointment you experienced with your policy and we understand you had a different expectation for our coverage. At Embrace, we strive to be as upfront as possible in regard to what we can and cannot cover, both under our accident and illness insurance policies and our Wellness Rewards plan. Embrace has a set list of exclusions as part of the Terms and Conditions for the insurance, and a Wellness Certificate of Coverage is provided to each policyholder when this optional plan is added. This document identifies what types of services can be reimbursable under this plan. We see you've spoken with a team member regarding your concerns, but if you have any additional questions, please feel free to reach out to our Customer Care team and we're happy to assist as we are able.
Best regards,The Embrace Team
Reviewed Aug. 25, 2026
Ease of filing claims. No hassles on claims. Speedy coverage. Top notch customer service. Fair, flexible pricing.
Hello L H,
We strive to make the claims process as smooth and efficient as possible, so we're glad to hear you've had a positive experience! Thank you for taking the time to share that feedback!
Best regards,The Embrace Team
Reviewed Aug. 25, 2026
Embrace is the best pet policy I’ve had and I’ve had a few. Claim submittal is easy and reimbursements are quick. The year before last, my policy cost increased a lot. After speaking with a rep, I realized they had my cat’s age older than he was. They reduced the cost of the policy for that year AND reimbursed me for over paying in previous years (several hundreds of dollars if I recall correctly). Because of Embrace, I am able to afford the care my special needs cat needs. They are the best!!!
Hello Robin,
We're happy to hear your Embrace policy has helped to alleviate some of the financial stress, and we're truly grateful for your continued trust. Thank you for choosing Embrace to help keep your fur baby healthy and happy!
Best regards,The Embrace Team
Reviewed Aug. 24, 2026
My agent Jody was truly professional and understood the pet policy that I was looking at. He was kind, considerate and very informative and made me very comfortable signing up for the pet insurance. I have never seen a pet policy before with this type of Wellness plan that you could use towards many different services as-well-as a policy for accident and illness. I am very satisfied with my decision to go with USAA/Embrace for my 3 month old Shih Tzu, Missy.
Hello Kathy,
We're happy to hear that you had a positive experience with our representative! Please do not hesitate to reach out if you have any questions or concerns as you continue to explore your coverage. Thank you for taking the time to share your experience and for choosing Embrace to help keep your furry family member healthy and happy!
Best regards,The Embrace Team
Reviewed Aug. 21, 2026
Working with Embrace is one of the easiest and most reliable pet insurance companies I have worked with. Customer Service is amazing and super helpful. Also, speedy reimbursement for pet bills. Great Experience with them!
Hello Clare,
We're committed to providing consistent and comprehensive coverage for pets throughout their life, and we're thrilled to hear you've had a positive experience with our company. We truly appreciate your kind words and you taking the time to leave us a review!
Best regards,The Embrace Team
Reviewed Aug. 20, 2026
I was very pleased with Wes. Help me tremendously.
Hello Teressa,
We're pleased that our representative has met your expectations! Thank you for the kind words and for sharing that feedback!
Best regards,The Embrace Team
Reviewed Aug. 19, 2026
You have a great organization with well trained employees. Well done!! I have extensive experience with customer service operations when I was employed by SEARS for 12 yrs at the Executive level.
Hello William,
Thank you for sharing that feedback! We strive to provide excellent customer service and are happy to hear you’ve had a positive experience with our team!
Best regards,The Embrace Team
Reviewed Aug. 18, 2026
Embrace is a great company IF you have healthy pets and don’t need them to reimburse medical. I would check very closely what they won’t cover - like prescription diet food for a diabetic dog to keep him well. They cover the insulin but one isn’t much good without the other. They don’t do what so many companies today offer which is Senior Discounts. Personally- it’s a shame to allow greed to blanket a company. The employees are lovely and helpful, but don’t make the rules. I’d suggest shopping around. New advertisements for pet insurance from well know. Companies are more prevalent. Can’t hurt to try to save some money- especially if your pet turns ill and medical expenses are so high. That’s why I thought I was buying pet insurance. Sure, they will gladly remove benefits to lower your rates, but then what do you need them for- catastrophic assistance only. It may be cheaper to pay off your cc then pay thousands for this pet insurance.
Hello Judy,
We want to assure you that we are committed to providing consistent coverage for pets throughout their life, with 92% of the claims received qualifying for coverage. We also strive to be as upfront as possible regarding what we can and cannot cover, both under our insurance policies and our Wellness Rewards plan. Embrace has a set list of exclusions as part of the Terms and Conditions for the insurance, and prescription food is not eligible for coverage under the accident and illness insurance policy. However, we understand preventative care is important too, which is why we have our optional Wellness Rewards plan which reimburses for routine and preventative care items (like prescription food) so that each pet parent can customize their policy to better fit their needs. We see you already spoke with a representative regarding your concerns, but if you have any additional questions, please feel free to reach out to our Customer Care Center and we're happy to assist you further. Our goal is always to support our policyholders and their pets, so we appreciate your feedback and will use it to continuously improve our services.
Best regards,The Embrace Team
Reviewed Aug. 17, 2026
Great! Super helpful deciding coverage for my two dogs.
Hello Elizabeth,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,The Embrace Team
Reviewed Aug. 14, 2026
Love USAA! When I heard you carried pet insurance, I wanted to add my pet to your policies!
Hello Jessie,
Thank you for taking the time to share that feedback! We're proud to be partnered with USAA and strive to provide the best service for you and your furry family members, so we're happy to hear you had a positive experience. Please do not hesitate to reach out if you have any questions or concerns as you continue to explore your coverage!
Best regards,The Embrace Team
Reviewed Aug. 14, 2026
I would give them a zero star if it was possible! They lied to me about the wellness plan that they offer. My dog is permanently paralyzed do to ivdd stage 5. My dog needs diapers and drag bags, etc that it was supposed to be covered under the wellness plan. Guess what? When I tried to get paid for the things I mentioned, I was told that it was not covered under the wellness plan!!! I could not believe what they said to me!! Why would I sign up for something that does not cover my dog's day to day expenses now that he is paralyzed!!! Consider yourself warned!!!
Hello Cherie,
We're sorry for any disappointment you experienced with your policy and we understand you had a different expectation for our coverage. At Embrace, we strive to be as upfront as possible in regard to what we can and cannot cover, both under our insurance policies and our Wellness Rewards plan. Embrace has a set list of exclusions as part of the Terms and Conditions for the insurance, and a Wellness Certificate of Coverage is provided to each policyholder when this optional plan is added. This document identifies what types of services can be reimbursable under this plan. We see a team member has followed up to further address your concerns and offer resolution, but if you have any additional questions, please feel free to reach out and we're happy to assist as we are able.
Best regards,The Embrace Team
Reviewed Aug. 14, 2026
Very great professional people here to help you on the phone or you can do it online. Search a lot of companies and this was far the best.
Hello Hollie,
We're glad to hear you've had a positive experience with our team and we appreciate you taking the time to leave us a review!
Best regards,The Embrace Team
Reviewed Aug. 13, 2026
Dropped my claims within a week after getting forms and information.
Hello Tad,
We sincerely regret any frustration you experienced with the claims process and we're happy to provide clarification. The first eligible accident or illness related claim(s) submitted typically take about 30 business days to process as we work directly with you and your vet providers to gather any additional medical records needed and review your pet's complete medical history. We work as quickly as possible, but this timeline allows us to maintain accuracy and quality in processing your claim. Once the review is complete, your pending claims will move forward and you'll receive confirmation emails to let you know they're complete. We see you've spoken with a representative regarding your concerns, but if you have additional questions please feel free to reach out to our Customer Care team and we're happy to help.
Best regards,The Embrace Team
Reviewed Aug. 13, 2026
Clay provided clear explanations to all our concerns.
Hello Ward,
We're pleased that our representative has met your expectations! Thank you for the kind words and for sharing that feedback!
Best regards,The Embrace Team
Reviewed Aug. 13, 2026
She was very nice and explained everything I needed to know. I had a problem with my debit card and it was taken care of. She absolutely deserves a 10 or a long lunch.
Hello Jack,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,The Embrace Team
Reviewed Aug. 13, 2026
Angela was very informative. She explained my options. She understood that I was military and a veterinary technician and was looking for a specific plan. She emailed me the plan that I requested, but yet understood. I was shopping around for pricing. She was extremely professional, pleasant, and you can tell she was smiling as she talk to me. I believe she enjoys her job and was not pushy which I also appreciated. I do think she deserves a raise or a gift whichever is appropriate. Every employee should be praised for their job. Well done which she did.
Hello Lori,
We're committed to treating each Pet Parent with the utmost professionalism and we're happy to hear you had a positive experience with our representative. We appreciate you considering Embrace for your pet health insurance needs and thank you for taking the time to share your experience!
Best regards,The Embrace Team
Reviewed Aug. 12, 2026
Every one was helpful and answered all my questions. I have had a great experience with Embrace Pet Ins. Everything time I called and they were helpful.
Hello Marion,
We're pleased that our team has met your expectations! Thank you for the kind words and for sharing that feedback!
Best regards,The Embrace Team
Reviewed Aug. 11, 2026
My dealing with Embrace Pet Insurance has been all together positive and pleasant. I finally Representatives I speak with are very helpful and friendly. It was easy to file a claim and I got my reimbursement right away. The customer service and prices are great. I look forward to a long relationship. Sandi, Sweetie Pie & Simba
Hello Sandi,
We're happy to hear you experienced helpful and friendly service from our representatives. We're committed to providing exceptional service and coverage for our policyholders, so we sincerely appreciate your kind words and you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed Aug. 10, 2026
We have had Embrace Pet Insurance for several years and couldn’t be happier with the customer service, claims processing and easy to follow claim submission process. Reimbursement was fast as well. Our last pup passed away several months ago and when we adopted a new shelter pup, I immediately applied for Embrace Ins. for him. That process was also easy and the rate was very competitive.
Hello Amy,
We're thrilled to hear that you've had a positive experience with our company over the years and we sincerely appreciate you choosing Embrace to help keep your fur babies healthy and happy. Thank you for your kind words and for being a loyal customer!
Best regards,The Embrace Team
Reviewed Aug. 10, 2026
This is my first time using Embrace, and when I went to the pet store, I was given receipt to send to Embrace to get reimburse. Then Gary and another person at Embrace was very helpful. They explained everything too many broke it for a deeper understanding how the insurance work and I really appreciate that, Embrace is the insurance company that I preferred to use for my pet.
Hello Claudia,
We strive to provide our customers with knowledgeable support and we’re happy to hear you had a positive experience with our team. Please do not hesitate to reach out if you have any questions or concerns as you continue to explore your coverage. Thank you for taking the time to share your feedback and for choosing Embrace to help keep your furry family member healthy and happy!
Best regards,The Embrace Team
Reviewed Aug. 9, 2026
Zero stars for Embrace insurance company. I Had to take my pup in for emergent care and I am being given challenges to be reimbursed. My claim is held up for an emergent care visit because they want 12-months of previous vet visits. My puppy is only 10 months. I gave them his records from his wellness visit when I first got him and vet recommended to be seen in a year for his annual. Therefore I have given what I have. Do NOT choose embrace, it is a hassle and the process is not empathetic to the decision to have to take your pet for emergent care in the first place. STILL WAITING. If a full medical history is required, do not take people’s money until you receive it. I went the same wellness records as before when I was as reimbursed for his medical wellness dollars.
Hello MeShondra,
We sincerely regret any disappointment you've experienced regarding your claims. When a policy is first purchased, we offer an option to complete a complimentary Medical History Review upfront, but if it's not requested, we do not review the medical records until the time of the first eligible accident or illness claim submission. During this process, our claims team works directly with you and your vet providers to gather any additional medical records needed and review your pet's complete medical history. We look for the detailed chart notes from any visits that occurred within the 12 months prior to starting the policy and through the initial waiting or exclusionary periods. Please note this does not mean we need a full 12 months of records if it's not available (for example, if the pet is a new addition or born more recently), it is just the parameter we set for any pet to make sure there was a sufficient pre-policy exam done and so that we receive the required records.
Once the requested records are received, reviewed, and confirmed complete, your pending claims will move forward for processing. We want to assure you it's a much smoother process moving forward as future claims do not typically require this review, and our standard processing time for claims is 10-15 business days. If you have any other questions or concerns, please feel free to reach out to our Customer Care team and we're happy to provide further assistance.
Best regards,The Embrace Team
Reviewed Aug. 9, 2026
Amazing representative. Listened and suggested options. Never pushy. Great coverage and price too! Representative did everything for me. Easy!! This is someone that the job is second to the LOVE of PETS. Embrace scored when they got this rep. not to mention how beautiful (should be a model). Anyway, Big thanks to all for this service. One and done. Keep it coming and expand to the European countries so retired military and their families can take this policy with them. I am just soooo happy. My fur babies thank you too! :)
Hello Kim,
Thank you for taking the time to share that feedback! We're happy to hear that your experience was satisfactory and that our representative helped to guide your decision to choose Embrace. Please do not hesitate to reach out if you have any questions or concerns as you continue to explore your coverage!
Best regards,The Embrace Team
Reviewed Aug. 8, 2026
I found this company online and they had decent rates and their coverage seem to be very good. I have two dogs and I signed them both up with full coverage. The first claim I submitted was a urinary tract infection in my Aussie; she was one year at the time and we were on vacation, so we had to take her to an emergency vet clinic. They did a good job, and the claim was covered, after 60 days, I got my payment. Next year she had a new incident, and we took her to her vet. It was diagnosed as a new UTI infection. They gave her antibiotics, and it cleared up and we submitted the claim. It took 45 days to get the claim answered, and the claim was not covered due to a so-called chronic condition. I am changing to a different company. This provider is very slow to respond, and they find any reason they can to deny a claim.
Hello Ed,
We’re sorry to hear about your disappointment with your claim experience. We are unable to provide coverage for pre-existing conditions, defined as anything diagnosed or symptomatic prior to the start of the policy and through the initial waiting or exclusionary periods. As the urinary tract infection diagnosis occurred prior to the policy's effective start date, we were unable to provide coverage for the claim. We see our team has followed up to further address your concerns, but if you have any additional questions please feel free to reach out and we're happy to assist as we are able.
Best regards,The Embrace Team
Embrace Pet Insurance Company Information
- Company Name:
- Embrace Pet Insurance
- Year Founded:
- 2003
- Address:
- 4530 Richmond Road
- City:
- Cleveland
- State/Province:
- OH
- Postal Code:
- 44128
- Country:
- United States
- Website:
- www.embracepetinsurance.com
