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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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 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 July 2, 2026
Embrace has been nothing but wonderful. I've had two pets covered with them now and one has since passed away and through that experience, which was quite brief due to her onset of cancer that we didn't know about, I really came to trust Embrace. I appreciate everything they've done for both of my dogs and they're always patient, very explanatory when needed, and have gone above and beyond to help me through some of these heart issues losing a pet at 6 years old.
I would recommend them explicitly as they have done nothing but been supportive and quick to reimburse claims and even overturned and appeal diagnosis that my veterinarian was involved in writing a letter about. To me I felt heard after this. It was quite a large diagnosis and her letter and the claims team work together to encourage me to appeal this and it actually worked. I just feel embraced as the best to work with. They really care for your animals and as a USAA member I get a very very fair premium.
Hello Kim,
Our fur babies hold such an important place in our hearts and we know saying goodbye is never easy. We are glad to hear though that you've had positive experiences with our team and the processing of your claims during this difficult process. We understand the importance of finding the right pet insurance for your needs and we're truly grateful for your continued trust. Thank you for taking the time to share your experience!
Best regards,The Embrace Team
Reviewed June 4, 2026
First of all, Wesley contacted me almost immediately while I was comparing multiple pet insurance companies. He came across as a knowledgeable friend rather than a salesperson, and he earned my trust quickly through his authentic, friendly demeanor and remarkable patience as I interrupted myself and jumped from topic to topic. Think "squirrel"—that's me.
Before discussing plans, Wesley took the time to ask questions and truly listen to what was important to me regarding my pet's care. He carefully explained the accident and illness coverage, using real-life examples to help me understand what types of events would qualify. He broke down the coverage options, deductibles, and reimbursement levels clearly and objectively, never trying to steer me toward a particular choice. Even after providing a quote, he was happy to recalculate different options when I asked to adjust the numbers several times.
His explanation of the wellness program was especially helpful. He described it as being similar to a flexible spending account (FSA), which immediately made sense to me. These are expenses I know I will have every year anyway, so it essentially helps me set aside money in advance for routine veterinary care. In fact, I delayed an annual visit this year because I didn't have the cash available at the time. With this program, I won't find myself in that situation again.
After we completed the quote and compliance recording, I told Wesley that I was also considering Embrace and Lemonade and wanted to review their wellness programs before making a final decision. I expected the reaction many customers receive at that point—a salesperson becoming noticeably frustrated or disengaged. Instead, Wesley remained just as kind, patient, and helpful as he had been at the beginning of the call.
He even stayed on the line while I reviewed Lemonade's quote. As we compared the plans, I realized that Lemonade's wellness program itemizes many components of routine care separately, which would have made submitting claims more confusing for me and ultimately provided less value. What impressed me most was that Wesley never criticized the competing company. Instead, he helped me slow down, review the details carefully, and recognize the differences for myself.
Wesley also has a thorough understanding of the product. He never passed me off to another department or treated me like a number. Too often today, customers encounter automated systems, scripted conversations, and highly compartmentalized service where no one seems empowered to answer questions directly. I honestly can't remember the last time I interacted with a company where I spoke with someone who could naturally navigate the nuances of a real conversation and provide knowledgeable answers throughout the entire process. It was genuinely a pleasure speaking with Wesley. By the end of the call, he felt more like a trusted advisor than a salesperson. I'm grateful for his help and happy to see him pictured with his dog, Blue. Employees like Wesley are a tremendous asset to your company.
Hello Christy,
We strive to provide exceptional service and coverage for our policyholders, so we’re happy to hear that your experience with our representative was satisfactory and that their product knowledge 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. Thank you for taking the time to share your experience and for choosing Embrace to help keep your fur babies healthy and happy!
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
Reviewed Aug. 8, 2026
Been with Embrace for over 10 years, and their prices are forcing me to go elsewhere. Currently overpaying over $100.00 for 1 cat with no health issues. It's time to end this craziness!!!
Hello Rick,
We understand that premium increases are challenging and we sincerely regret any disappointment you've experienced. We strive to find a balance in maintaining quality coverage for the pets that we insure, while also factoring in changes in the marketplace, but the reality of the premiums is that they do go up over time as our pets get older to account for the increasing risk of illness and injury. Please know that you have options and our team is here to help you review your plan, explore ways to adjust your coverage, or find alternate coverage to keep a level of protection in place. Our goal is to work closely with each policyholder to explore personalized solutions to support you during this time, so if you have any other questions or would like to explore those options further, please feel free to reach out to our Customer Care team and we're happy to provide additional assistance.
Best regards,The Embrace Team
Reviewed Aug. 7, 2026
I am very pleased with my pet insurance for my dog, Embrace. Embrace makes a claim process super easy. Wouldn’t have a question; you actually talk to a real person, not to a robot, and overall Embrace does a super good job all the way around. I am very pleased with Embrace.
Hello Bobby,
We're committed to providing exceptional service and coverage for our policyholders, so we're happy to hear you've had a positive experience with our team. We're also grateful for your kind words and continued trust. Thank you for taking the time to share your experience!
Best regards,The Embrace Team
Reviewed Aug. 7, 2026
Called to cancel my pet insurance due to a large increase in price. Talked with the agent who was able to get a better price than the one I signed up with so I will be staying. It is always good to be able to deal with a good agent. I am very hard of hearing and the agent was very patient and understanding.
Hello Roy,
We understand that premium increases can be challenging, and our goal is to work closely with each policyholder to explore personalized options and adjust coverage as needed to support you during this time. We're happy to hear our representative was able to assist you with a solution that best fit your needs and budget, and we sincerely appreciate you taking the time to leave us a review!
Best regards,The Embrace Team
Reviewed Aug. 7, 2026
I have tried several other pet insurance companies and none were as helpful in enrollment, comprehensive coverage, and follow up answers to questions from customer service. I appreciate easy access to a human when help is needed.
Hello Jennifer,
We're thrilled to hear that our enrollment process, comprehensive coverage, and consistent support exceeded your expectations. We pride ourselves on providing exceptional customer service and we sincerely appreciate you sharing your positive experience!
Best regards,The Embrace Team
Reviewed Aug. 5, 2026
I have paid Embrace every month for 7 years for two dogs, with almost no major claims (currently paying $257 a month). The first time I needed real coverage — a medically necessary carnassial tooth extraction — Embrace denied the entire $810 bill over a wording technicality. My vet performed a standard Level 2 extraction, which always includes cleaning the tooth and surrounding area while the dog is under anesthesia. This is not optional, not cosmetic, and not a “wellness cleaning.” It is part of the surgical procedure. Every vet does it this way. Embrace refused to cover any part of the surgery because the vet bundled the procedure exactly the way every veterinary office does. They insisted on separating out an imaginary “cleaning” cost that does not exist as a standalone service. They used this loophole to deny the entire claim.
I spent hours on the phone, nearly in tears, trying to get Embrace to honor the coverage I’ve paid for year after year. Their handling of this was dismissive, inflexible, and completely out of alignment with standard veterinary practice. If Embrace will not cover a major tooth extraction — one of the most common significant dental procedures in dogs — then what exactly are customers paying for? I cancelled my policy immediately. I strongly recommend that anyone considering Embrace look elsewhere. Their marketing promises compassion and coverage. My experience delivered neither. Unbelievable the way they do business...it's a scam.
Hello Sara,
We are sincerely sorry to hear that your experience with our company has not met your expectations. Dental cleaning specific charges are not eligible for coverage under the accident and illness insurance, they are only eligible for reimbursement under our optional add-on Wellness Rewards plan. If the invoice only has one group charge that includes a dental cleaning, we need to see a full breakdown of the group charge in order to reconsider coverage for the claim under the dental illness sublimit. We understand obtaining the additional breakdown can sometimes be frustrating, but our goal is to maintain accuracy and quality in processing your claim. We see you've spoken with a team member regarding your concerns and we are sorry to see you go, but we understand you must do what you feel is best for you and your pets. If you have any additional questions or concerns, please feel free to reach out to embracesocial@embracepetinsurance.com with your name and policy number and we're happy to assist as we are able.
Best regards,The Embrace Team
Reviewed Aug. 5, 2026
Embrace has been a life saver. Not only have they been there for the most difficult times, but they have also been able to keep me sane with the high cost of care. Embrace is a company that is very transparent and even helps you when you need ways to get medical issues covered. I love that USAA has partnered with them.
Hello Raymond,
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 glad our team has met your expectations! We sincerely appreciate your kind words and you taking the time to leave us a review!
Best regards,The Embrace Team
Reviewed Aug. 3, 2026
Embrace charges reasonable premium rates. Embrace is very quick to process claims, and very prompt with submitting reimbursement to customers once a claim has been approved. I had a cat that got very sick, and in a short period of time, she racked up thousands in medical bills. Embrace paid them all promptly - within days of submitting the claim. Their staff is very kind, caring, and professional.
Hello Sharon,
We're committed to treating each Pet Parent with the utmost professionalism and ensuring 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. 3, 2026
Fantabulous, thank you for an experience of learning to work with people who cares. People like Nick who takes pride in his work. Nick walked me through the process and assured me him or someone like him is always there to help get the process right so my pet gets the care it needs. Poopsie, Mickey and I are overjoyed to have Embrace to help. They really care!
Hello Alan,
Our team at Embrace, many of whom are pet parents ourselves, genuinely cares about the well-being of our pet parents and their pets, so we sincerely appreciate your kind words and you taking the time to share your feedback! Thank you for choosing Embrace to help keep Poopsie and Mickey healthy and happy!
Best regards,The Embrace Team
Reviewed Aug. 1, 2026
Coverage is definitely not as advertised. Even if you are meticulous in your record keeping and provide detailed reports from your Vet, they always find ways to say that something was pre-existing (even if the Vet assured it wasn't something to worry about yet), and therefore not covered. They take your money and offer no actual coverage of things like ultrasound imaging. Their staff strives to make sure you are kept on hold for hours at a time hoping you are too frustrated to follow up. They demand detailed reports and test results (sometimes multiples of the same results). Their goal is to collect your premium and not pay out on claims. Do your research and read as many reviews as possible before selecting an insurance carrier for your pet.
Hello Heather,
We want to assure you we are committed to providing consistent and comprehensive coverage for pets throughout their life, with 92% of the claims we receive qualifying for coverage, and we sincerely regret any disappointment you've experienced with our company. We strive to be as upfront and transparent as possible about the coverage regarding the exclusion of pre-existing conditions (defined as anything noted as symptomatic or diagnosed prior to the start of the policy and through the initial waiting or exclusionary periods). Pre-existing conditions are determined directly from the notes provided to us from your veterinarian, and this policy ensures that pre-existing conditions are accurately assessed and helps us provide fair and consistent coverage for all policyholders; however, if you feel there was an incorrect assessment we welcome you to discuss your concerns with our team. We were unable to locate your account to view the specific details of your claims, but please feel free to reach out to embracesocial@embracepetinsurance.com with your name and policy number and we're happy to provide further assistance.
Best regards,The Embrace Team
Reviewed Aug. 1, 2026
Embrace is very easy to use. Everybody is friendly, professional, and helpful. You get your reimbursement really quickly. We have been very satisfied with Embrace. I would highly recommend it to everyone!
Hello Catherine,
We're happy to hear you've experienced friendly and professional service from our team and we sincerely appreciate you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed Aug. 1, 2026
I am very pleased with the care and compassion that has been shown to me. The claim process is very easy to initiate and settled very quickly. It is affordable and seems fairly priced. The reimbursement has been prompt and as it's an automatic deposit there is no waiting.
Hello Patricia,
We're happy to hear you experienced helpful and compassionate service from our team. 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 July 29, 2026
I had called several insurance agencies about ensuring my pet. Each time I called I got a different person and had to go through the entire story from beginning to end. I appreciate the fact that I Embrace I spoke to the same person every time I called and the fees were more reasonable than most of the others.
Hello Jo Ann,
Welcome to the Embrace family! We appreciate you taking the time to leave us a review, and we're glad to hear you were satisfied with the sign-up process and 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!
Best regards,The Embrace Team
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 28, 2026
My pet has had numerous claims for me to submit. Embrace has reviewed them and when it required additional information, it was never a stalling tactic that other insurance companies may have tried. I called them today for an update on their status and was quite satisfied when speaking to their representative. I have tried other pet insurance companies and Embrace was far better in comparison.
Hello Alan,
We strive to ensure all claims are processed efficiently and as quickly as possible, so we're glad to hear you've had a positive experience and we appreciate you taking the time to share that feedback!
Best regards,The Embrace Team
Reviewed July 28, 2026
I’ve had Embrace now for almost 15 years and I would never change it for the world. They make you feel like you’re the only customer they have and they care very much about your Pets well-being and they also care about the owners and answer every question to the best of their ability, very professional, compassionate, kind, caring. They make sure before they end the conversation that all your problems have been addressed and they’ve answered everything. The best of their ability. I highly recommended Embrace if you’re needing insurance for your Pets. A very very good company to get.
Hello Debra,
We're committed to providing exceptional service and coverage for our policyholders, so we're happy to hear you've experienced professional and compassionate service from our team. We're truly grateful for your kind words and your continued trust, and we appreciate you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed July 27, 2026
Their customer service is wonderful. They always explain things to me and are so nice about it. App is easy to navigate and I can submit claims with ease. My coverage is exactly what I wanted and there's always the option to change my policy if my baby's need changes.
Hello Sherry,
We're committed to providing exceptional service and coverage for our policyholders, and we're thrilled to hear you've had a positive experience with our team! Thank you for the kind words and for taking the time to leave us a review!
Best regards,The Embrace Team
Reviewed July 24, 2026
My pet insurance representative Jody, was absolutely wonderful! He was friendly, patient, and took the time to answer all of my questions. He made the process easy to understand and helped me choose the best coverage for my dog without any pressure. Excellent customer service. I truly appreciate his kindness and professionalism!
Hello Sarah,
We strive to provide our customers with knowledgeable support and we’re happy to hear 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 feedback and for choosing Embrace to help keep your furry family member healthy and happy!
Best regards,The Embrace Team
Reviewed July 23, 2026
Happy to take premiums, but not so happy to actually pay claims. Endeavors to stall, delay, and obfuscate with multiple requests from vet providers for the same information, even though emails acknowledging receipt of documents show that they DID get the requested information. Unfortunately, though, they seem to fit the general mold of insurance companies, human or animal, it being more about "money in" than "money out'. Actions speak louder than words.
Hello Michael,
We sincerely regret to hear that your experience with our company has not met your expectations. The first accident or illness claim submitted will typically take about 30 business days to process. During this time, we work directly with you and your vet to gather any additional medical records needed and review your pet's complete medical history. If we are missing anything, our standard procedure is to reach out directly to the vet provider on your behalf, but we do copy you on the requests for your reference so that you are kept in the loop. We also provide status updates via email and via your customer account. Sometimes an automated email request may go out before we've had a chance to update it in our system and we apologize for any confusion that may have caused. We also want to assure you that once the Medical History Review is complete, it’s a much smoother process moving forward! We see that you recently spoke with one of our representatives regarding your concerns, but if you have any additional questions or need further assistance, please don't hesitate to reach out and we're here to help. Your feedback is invaluable, and we want to assure you that we will use it to continuously improve our services.
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
