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 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
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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 May 11, 2026
I cannot say enough good things about Embrace Pet Insurance. My Pomeranian, Koda Bear, was insured with them for years, and they were consistently compassionate, responsive, and fair throughout some of the hardest moments of my life as a pet owner. They handled claims smoothly during a hemorrhagic gastroenteritis episode Koda had in January 2024, and again when he was diagnosed with mitral valve heart disease in mid-2025. Even as his condition progressed, Embrace continued paying claims without giving me a hard time or making the process stressful. That meant everything while trying to focus on caring for him.
Before making decisions about treatment, I had done extensive research and even learned through Embrace’s annual report that they had paid over $50,000 for open-heart surgery at the University of Florida for another dog with mitral valve disease. Knowing they truly stood behind policyholders gave me confidence and peace of mind. Sadly, Koda passed away unexpectedly, but even then, when I called to cancel the policy, the representative I spoke with was incredibly kind and compassionate. That level of humanity is something I will never forget. Once I’m ready to welcome another dog into my life, I absolutely plan to insure with Embrace again. I highly recommend them to my friends, family, and anyone looking for pet insurance that actually shows up for you when it matters most.
Hello Marian,
Thank you for sharing your kind words and your beautiful testimonial outlining your experience with Embrace. We are so sorry to hear of Koda's passing. We are honored that we were able to help you care for him through so many medical struggles over the years . We understand how difficult it can be to navigate having an ill pet, and are thankful to your Embrace policy gave you the peace of mind needed to focus on Koda during these challenging times, when he needed you most! We appreciate your recommendation of Embrace to others and look forward to when we can help you care for another sweet pup in the future. Thank you for your review!
Best regards,The Embrace Team
Reviewed May 8, 2026
We have had Embrace Pet Insurance for around 7 years and have always been very pleased with their attentiveness, professionalism, great service, and caring demeanor. Pet Healthcare Claims we've submitted for our Yorkie have always been handled quickly and accurately. Without our Embrace Pet Insurance, we could have never afforded the expensive Speciality Care that our sweet pup has needed. Embrace has helped us keep our pup happy and healthy - and that is money well spent. We're just grateful we have them when we need them - and for their Excellence in Service that they always deliver...
Charlotte,
Thank you for taking the time to share your positive experience with Embrace. We are extremely grateful that we have been able to assist with the care that your sweet Yorkie has needed. We thank you for allowing us to part of your pup's healthcare team. We appreciate your review!
Best regards,The Embrace Team
Reviewed April 17, 2026
I just spoke with a gentleman/representative named "Wesley". I received a few quotes for my wonderful aging pet cat. Wesley was excellent and extremely patient. Calm, professional, and totally understood my needs. Very transparent about all costs and preexisting conditions; he made things very clear and understandable. Just a delight to speak with. Very up front and soothing to speak with regarding my 14-year-old cat, which was a challenge to talk about, having to do all of this, since I see a slight decline in his health. Wesley was kind and empathetic, and very positive about the benefits and peace of mind when deciding on insurance. No pressure at all. Just facts and honest, transparent talk! Total professional and very understanding. Very much needed these days. Thank you so much for that!!
Hello David,
We strive to provide exceptional customer service, so we're thrilled to hear you had a positive experience with our representative. We also understand the importance of finding the right pet insurance for your needs and we sincerely appreciate you considering Embrace to help keep your cat healthy and happy. Thank you for taking the time to leave a review!
Best regards,The Embrace Team
Reviewed July 6, 2026
WARNING TO ALL CAT OWNERS: I was just told by an appraiser at Embrace that the company not only will not cover treatment for FIP, they consider any cat positive for feline coronavirus -- which happens to be about 80% of the cats in the USA! -- to have a pre-existing condition that limits the available coverage and increases the cost of the insurance!!!!
Hello Iris,
Thank you for sharing your feedback. We truly value and appreciate your longstanding loyalty, and we regret that your recent claims experience was not as expected. We strive to communicate coverages, including any pre-existing conditions, as transparently as possible. We are unable to provide coverage for pre-existing conditions, as outlined in our policy terms and conditions as anything symptomatic or diagnosed prior to starting the policy and through the initial waiting or exclusionary periods. Please know that while pre-existing conditions do limit what is covered on a policy, pre-existing conditions of any kind do not cause any change to your premium. We know that hearing that your pet has pre-existing conditions can be frustrating, and we do see that you've recently reached out and spoken with our representatives over the phone about your concerns. Our adjusters are your best source of information and resolution when it comes to your claims. Do not hesitate to reach back out if you need any further assistance!
Best Regards,The Embrace Team
Reviewed July 2, 2026
All 3 staff members I have spoken to have all been kind and understanding. I hope you keep this service going as time goes by. They really seem to care about my pets and questions concerning my pets' coverage.
Hello Lydia,
We're committed to providing exceptional service and coverage for our policyholders, so we're happy to hear you've experienced kind and understanding service from our team. We sincerely appreciate your kind words and you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed June 30, 2026
repeated tries by Andrea we finally uploaded current info and save it in my account. Thank you Andrea….
Hello Richard,
We're glad to hear that our representative was able to quickly 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 June 25, 2026
That has changed completely! I hear that they've been bought out by another firm, so that can be the issue. As I mentioned, my dogs never created a deficit in their spending. By last year, they were charging me over $500 a month to insure my two dogs. This year, they quoted me $900 a month. I guess it was their way of saying, although we've insured your dogs for years, we're done now.
In the past few years, the paperwork has been confusing and a lot of work to submit, requiring much more time than in previous years, perhaps intentionally hard to discourage claims?? Finally, I quit after many years. I submitted the invoices for the last claim, and for some reason they were having problems with them. I submitted them well within the time period that I was quoted for clients leaving the company. Again, back and forth with the company. On the company's website, the claim was listed as "on hold."
I had received an e-mail from an Embrace insurance adjuster about the claim. I consulted an insurance expert, and he said that they're finding that AI is being used with these insurance companies and is causing a problem. He separated out the two invoices associated with this claim, and I sent them back to the Embrace adjuster with an explanation. She thanked me and said that this claim could finally be processed. I just checked with Embrace...apparently, my submittal was "too late" to get processed, therefore an expensive test and some medications for my dog won't be covered...what a scam!!
Hello Linda,
We understand that premium increases are challenging. Each year, Embrace conducts a data analysis, and it is these findings that help us to determine increases in premium pricing for all policies for the term ahead. Our renewal increases are based on multiple factors including the age of the insured pet(s), tenure of the pet(s) on the policy, and veterinary inflation. 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.
When submitting a claim, a qualifying invoice will have the pet’s name, the date of service, an itemized list of products/services and their costs, and the grand total including any taxes, fees, discounts, shipping costs, etc. We are unable to use account statements/combined invoices and require individual itemized invoices for each separate date of service, which is why your claims were initially set to pending. Once the correct invoices were received, there was an error with the claim date and we apologize for any confusion that caused! We see a team member has followed up to further address your concerns and provide clarification and resolution. If you have any additional questions, please feel free to reach out and we're happy to assist you further.
Best regards,The Embrace Team
Original Review: June 25, 2026
A real nightmare. This company has no morals and appears to do everything possible to avoid paying legitimate claims. I have chosen an insurance plan that covers accidents. When my cat, Pickles, broke her hip, I took her to a veterinarian who diagnosed the fracture. We then went to another facility where she underwent surgery. I submitted claims for both visits, and that is when the problems began. They repeatedly requested the same medical records, even after both I and the veterinary providers emailed them multiple times. Every time I called, I received a different explanation from a different representative. We continued resending the documents they requested, over and over again. At one point, a representative asked for the visit notes. I explained that the visit notes were already included in the medical history and treatment records that had been submitted. Nevertheless, both the providers and I sent them again.
The claim was then marked as being under review, but the very next day I started receiving the same requests for medical history all over again. In my opinion, this company is deliberately creating unnecessary delays and obstacles in an attempt to avoid paying claims. The process has been frustrating, time-consuming, and completely unacceptable. Do yourself a favor and avoid this company. I will keep warning customers on all kinds of social media and review sites. I will not allow this company to keep fooling customers. Also, a legal action is underway. Basem **
Hello Basem,
We regret any frustration you've experienced with the processing of your claims and we're happy to provide clarification. In order for us to process any accident or illness related claims, we are required to complete a Medical History Review for the pet. We do offer an option to complete this 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. This information is also stated in our onboarding emails. In order to complete the review, the medical history we look for includes doctor's and/or chart notes in which the vet has recorded examination findings, pet’s health status, and test results (if applicable). Our standard processing time for the Medical History Review is 30 business days, but it can take longer to complete the review if we do not receive the requested records. We see a team member has followed up with you to provide additional information and if you have any other questions, please feel free to reply to them directly and they will be happy to help. Once all the required records are received to complete the review, the claims will be re-opened and processed.
Best regards,The Embrace Team
Reviewed June 25, 2026
I had reviewed Embrace earlier as an easy company to do business but held off a full endorsement until I saw invoice payout. I can now say Embrace has my full and complete endorsement. Great company.
Hello Stanley,
Thank you for taking the time to share your experience! We're grateful for your continued trust and appreciate you choosing Embrace to help keep your furry family members healthy and happy!
Best regards,The Embrace Team
Reviewed June 24, 2026
Subject:* Kudos for Jacob – Outstanding First Call. This was my first call to your help center after finally signing up with Embrace Pet Insurance. It took me months to gather the information I needed to decide on the best insurance for my four dogs. I called to enquire about how to submit the latest physical examination for all four dogs. Jacob was outstanding — patient and kind. I truly believe that frontline staff are the most important part of any company. Thank you for your professionalism and diligence throughout my queries.
Godwin **
Hello Godwin,
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 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 June 24, 2026
The customer service was excellent. When you go online to get a quote it seems very expensive but when Tiffany called me she broke everything down and I got exactly what I needed for my fur babies at an affordable price.
Hello Melanie,
We're glad to hear you had a positive experience with our representative and we appreciate you taking the time to leave us a review!
Best regards,The Embrace Team
Reviewed June 24, 2026
I had never heard of the service before. They were recommended by my car insurance USAA. The woman I spoke to gave me a lot of information and a phone number that actually didn't involve AI. When I later had a problem, she fixed it right away. Very refreshing.
Hello Joanne,
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 June 17, 2026
The process of establishing insurance is so easy and the return on claims is super quick. Response comes almost immediately and the customer service is always great!!! I’ve had other insurance and it was such a hassle and so much paperwork. Submitting a claim is done with a few clicks!!
Hello Janice,
Thank you for taking the time to share that feedback! We’re happy to hear you’ve had a positive experience with our Customer Care team and claims service!
Best regards,The Embrace Team
Reviewed June 16, 2026
I did submit a review on John who I got insurance for our dog through. Without his explanation of everything, I probably would have gone with another company. He was very thorough and complete. Thank you, John.
Hello Ann,
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 June 15, 2026
Embrace pet insurance has been a solid investment for our family. We have two pets and mainly wanted insurance for anything that would come up and be extensive care. The cost to us for our specific situation was easy to determine as well as fully understanding the benefits of that coverage. I did have a clarifying question the first time I had to submit a claim and was able to speak to a human being with very little wait time and had friendly, competent care in the process. Highly recommend the service.
Hello Linda,
We're committed to providing exceptional service and coverage for our policyholders, so we're glad to hear you've had a positive experience with our team! Thank you for sharing your feedback and choosing Embrace to help keep your furry family members healthy and happy!
Best regards,The Embrace Team
Reviewed June 15, 2026
Customer service was awesome. It was a pleasure in talking to them as they were very patient. Answered all your questions. Wasn’t pushy. And the prices are very reasonable. Rebecca is #1 in what she does.
Hello Bobby,
We appreciate your kind words about our representative. We strive to provide excellent customer service and are happy to hear you had a positive experience!
Best regards,The Embrace Team
Reviewed June 14, 2026
We have had Embrace Pet Insurance since our furball was a puppy in 2013. Embrace has always processed claims promptly, the website is easy to navigate, the staff is very responsive to any concerns or questions, and military discounts are offered.
Hello Linda,
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. 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 June 13, 2026
I have enjoyed using Embrace for my pet insurance. It is super easy to submit claims on their app. And if you need customer service, they have the best! Customer service is knowledgeable, helpful and empathetic to your needs as a part parent.
Hello Julie,
We're thrilled to hear you've experienced knowledgeable and empathetic service from our team and have been satisfied with the processing of your claims. We're truly grateful for your kind words and continued trust, and we appreciate you taking the time to share your experience!
Best regards,The Embrace Team
Reviewed June 11, 2026
I have had Embrace Pet Insurance for a number of years and couldn’t be more pleased with their coverage, timeliness and customer support. All of my claims submitted were covered without question. Some of the claims were for simple illnesses and others were more complex (physical therapy, removal of cancerous cells by both surgeries and injections).
Thank you for sharing your positive experience with Embrace, Sandra. We're delighted to hear that our coverage, timeliness, and customer support have met your needs throughout multiple health struggles for your pet. We appreciate your many years of loyalty and appreciate your recommendation of our product and services!
Best regards,The Embrace Team
Reviewed June 9, 2026
I did research on the various pet insurance Companies and Embrace seemed to have the items that I needed for my English Mastiff puppy.. And also gave a good payback amount. He is now a year and a half and a pay monthly to have this insurance. About a week ago I noticed that his personal area in the back was enlarged And very red and swollen.. I took him to the vet, and they said that they were going to have to emergency neuter him, which I was going to have done anyway, and I made the appointment for the procedure to happen the next day.
Early the morning of the procedure, he started bleeding in that area. So I quickly took him in, and they did the procedure. They removed the scrotum, and he is recovering nicely. EMBRACE would not cover any of this.. I'm not sure what an emergency constitutes, but if this does not constitute an emergency Then, I don't know... To me bleeding testicles/scrotum is an emergency... Save your money. Do not use this company. They are a scam and a waste of money..
Hello DG,
We understand how stressful it can be when a pet experiences an unexpected illness, and we sincerely regret that your expectations were not met regarding the outcome of your claims submitted to Embrace upon first review. Based on your outreach to Embrace and additional information provided regarding the condition of your pet that resulted in the claims, it was determined that submissions in question were eligible for coverage. The claims were then re-processed accordingly within the terms of your policy. At this time all related information has been provided to you directly. If you have any additional questions, please feel free to reach out to our Customer Care Center at your earliest convenience and we're happy to assist you further.
Best regards,The Embrace Team
Reviewed June 8, 2026
My dad was a veterinarian. Upon his passing at the age of 84, I decided to get pet insurance for the first time. I thought for sure it was going to be a waste of money. I'm so glad I didn't cancel it. I can't believe how expensive veterinary care has become. What once would have cost under $50 for a GI workup ran me $2k+. I was amazed that Embrace didn't nickel and dime me about the diagnosis. In the end, he got better on his own. But the workup was significant and Embrace honored that.
Hello Pamela,
We're glad that your policy has helped alleviate some of the financial stress and we're grateful for your continued trust. Thank you for taking the time to share your experience!
Best regards,The Embrace Team
Reviewed June 8, 2026
I have been with them almost 4 years now and still extremely happy. Customer service is a 10. Claims are easy to file and the response time Is very fast. I highly recommend them, they have never disappointed me.
Hello Lorena,
We strive to provide exceptional customer service and to process claims as efficiently as possible, so we're pleased to hear you've had a positive experience with our team! Thank you for the recommendation and for taking the time to share your feedback.
Best regards,The Embrace Team
Reviewed June 5, 2026
My dog has been with Embrace since he was a pup. They will do anything not to pay. They consider preexisting conditions, like vomiting, lethargy, which can be true for any diagnosis as an excuse not to pay. But they will continue to take your money. Cancer is a preexisting condition, not vomiting.
Hello Karen,
We regret that your experience with our company has not met your expectations. Prior to completing the purchase of a policy—whether online or over the phone—all policyholders must acknowledge and accept that they understand the information and requirements related to waiting and exclusionary periods, the exam requirement, and pre-existing conditions. This step is in place to ensure clarity regarding what is and is not covered under the policy. We see a team member has followed up with you to further address your concerns and provide resolution, but if you have additional questions please feel free to reach out and they will be happy to assist you!
Best regards,The Embrace Team
Reviewed June 4, 2026
Excellent service. Tiffany made this process easy and put my mind at ease. She made my dog feel like a part of the Embrace family. I will highly recommend this service. I have been unsure of who I would recommend but I approve these services.
Hello Rachele,
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 representative! Please do not hesitate to reach out if you have any questions as you continue to explore your coverage.
Best regards,The Embrace Team
Reviewed June 3, 2026
Love it here. They take good care of us. I get reimbursed for wellness visits she’s covered. It makes life so much easier. My puppy Coco Chanel is blessed and well cared for because we are Embraced!!!! So many wonderful benefits for your fur baby.
Hello Amunah Storm,
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 Coco Chanel healthy and happy!
Best regards,The Embrace Team
Reviewed June 2, 2026
I very rarely make any claims on my policy-this past year I have not made any claims at all. Yet my policy for my next renewal session was going to jump in price by 45%. I have been trying to change my coverage for my pets for the last month on the website, but the website has constantly had issues and I have been unable to do so. When I emailed customer service to report the issue they said they are aware of the problem but do not know when it will be resolved. It’s been over a month and the issue has still not been resolved. I finally had to call customer service today to change my coverage and was met with a hold time of over 30 minutes. This is something I could do myself on the website in under five minutes if the website was functional.
When I asked why my rate was increasing so drastically despite me not having submitted a claim on my policy in over two years and running a quote on a new policy today that was significantly lower than my renewal, I was told the age of my policy (7 years) causes the rate to go up. So they punish loyal customers with dramatically increasing rates every year. I went with Embrace as my primary insurance for my pets because they were recommended by my bank (USAA) but I am extremely unhappy with this company. I chose a different option (Figo via Costco) for my new cat and I noticed much better customer care, policy rates, and coverage through them. Stay away from Embrace unless you want poor customer service and significant price hikes every year.
Hello Megan,
Please know we understand that technical difficulties can be frustrating and we want to assure you that our team is actively working on rectifying the situation as quickly as possible. We also regret any regret any disappointment you experienced with your recent renewal quote. Embrace conducts a data analysis each year, and it is these findings that help us to determine increases in premium pricing for all policies for the term ahead. Our renewal increases are based on multiple factors including the age of the insured pet(s), tenure of the pet(s) on the policy, and veterinary inflation. This includes not only rising veterinary costs but also the recent advances we are seeing in veterinary care. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens.
While your current premium may be higher than a new quote, in general when a pet is insured at a younger age, we expect to be able to cover more of your claims as your pet ages than someone who signed their pet up later in life because they will most likely have more pre-existing conditions that are ineligible for coverage. Due to that pet tenure, your premium generally ends up being higher than someone who is purchasing a brand new policy for a pet of the same age/breed/etc. in the same location.
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; and our goal is to work closely with each policyholder to explore personalized solutions to support you during this time. We know you've already spoken with a representative regarding these options, but if you have any additional questions, please feel free to reach out and we're happy to assist you.
Best regards,The Embrace Team
Reviewed May 29, 2026
Am happy to report a very positive and timely outcome working with Embrace Pet Insurance following Patches ER episodes needed to treat the wound/laceration of May 22, 2026. As the subscriber, I became keenly aware that Embrace is well organized, the staff ready to communicate regarding updates on Patches account, and know that Embrace pet insurance was a great choice.
Hello Nancy,
Thank you for the kind words! We're glad to hear you've had a positive experience with our team and we hope Patches is feeling better and making a quick recovery!
Best regards,The Embrace Team
Reviewed May 29, 2026
Embrace Pet Insurance was recommended to me by our breeder, and I couldn't be happier - great service. Sadly, I needed this insurance to pay for emergency care for my dog in January, and my claim was paid the very next day. I highly recommend them, they are a customer service-oriented company.
Hello Dennis,
We're glad your policy has been there to help during your time of need and that the claims process has gone smoothly for you. We sincerely appreciate your recommendation and you taking the time to share your experience!
Best regards,The Embrace Team
Reviewed May 27, 2026
The claim process has a very quick turnaround. I submitted a claim this morning and my claim was paid and closed within a couple of hours. When I had to speak with customer service they have always been professional and very helpful answering my questions.
Hello Annmarie,
We strive to provide exceptional customer service and to process claims as efficiently as possible, so we're pleased to hear you've had a positive experience with our team! Thank you for taking the time to share your feedback.
Best regards,The Embrace Team
Reviewed May 23, 2026
Pet insurance may seem unnecessary and expensive to many pet owners. It is so beneficial when needed. Embrace is outstanding w/ great customer service, which is such a rarity these days. I highly recommend Embrace for their many options, excellent coverage and "real" voices on the other end of the line, when needed.
Hello Sharon,
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 and for choosing Embrace to help keep your furry family members healthy and happy!
Best regards,The Embrace Team
Reviewed May 21, 2026
Highly rated company first attracted my attention. Upon renewal, I was taken aback by the price increase. A second later, I realized that's life today. A few phone calls later, one correction and one suggestion and my monthly rate was much better. The best thing is that they reached out to me. They suggested I call them to look for savings. At the end, my monthly payment was much better and I still got to stay with a highly rated company. Thank you Embrace.
Hello Robert,
We strive to provide exceptional service and we're glad to hear our team was able to assist you with finding a premium that was better suited for your needs and budget. We sincerely appreciate your kind words and we're grateful for your continued trust. Thank you for taking the time to share your feedback!
Best regards,The Embrace Team
Reviewed May 17, 2026
I found this pet insurance provider online, and I called to ask if my insurance could be used. I just adopted two kittens, and the representative said everything was fine. I was paying over a hundred a month for two young kitties. They are hassling me over the fact my kittens are only a few months old and don't have extensive vet records. The adoption papers show the shots and all, but apparently they tell me after I have $500 work done for my kitties' bloodwork they refuse to cover it, even after I was told by the representative it would be covered. SOAP records are the only records qualified when starting out. So your first vet bill will not be covered in many cases, and they won't tell you that.
Hello S C,
We are sincerely sorry to hear that your experience with our company has not met your expectations. Our only requirement in order for the coverage to take effect at the end of the initial waiting or exclusionary periods is a documented physical exam by a licensed vet. This exam must take place within the 12 months prior to the start date of the policy or within the first 14 days of starting the policy. For the exam, we look for doctor's and/or chart notes in which the vet has recorded examination findings, pet’s health status, and test results (if applicable). If there is no exam done during this timeframe, the illness waiting period extends to the date of the first qualifying exam.
We strive to be as transparent as possible about our coverage requirements. Prior to completing the purchase of a policy—whether online or over the phone—all policyholders must acknowledge and accept that they understand the information and requirements related to waiting and exclusionary periods, the exam requirement, and pre-existing conditions. This step is in place to ensure clarity regarding what is and is not covered under the policy. This condition of the policy is also noted in our onboarding emails. We see one of our team members followed up with you to further address your concerns and provide clarification, but if you have additional questions please feel free to reach out and we're happy to help.
Best regards,The Embrace Team
Reviewed May 15, 2026
This is singlehandedly the worst insurance I've ever had the displeasure of being subscribed to. Didn't get a single cent back from the "completed" claims. I had to pay $2k+ for my kitten's Feline infectious peritonitis (FIP) within the last MONTH and had Embrace weeks before the visits AND the diagnosis. The tests, bloodwork, visits, compound medicine, they all added up to $2,000. I paid $125~ for Embrace membership (2 months) and they could only refund a measly $9. I cannot stress this enough... I'd rather pay $2,000 out of pocket five times every month than to have to pay $50 a month to Embrace ever again.
Also their customer service is bad. I kid you not, within the same day, I waited for 20 mins for the first call, and 30 mins ON THE DOT for the other call. I was this close to hanging up. And they have the audacity to have a voice line in the hold-call that says they're rated top customer service by some company. That's real funny. Save your money, mental health, time, and your pet's time. DO NOT SIGN UP FOR EMBRACE PET INSURANCE. Actual thieves.
Hello Zey,
We are sorry to hear that your experience with our company has not met your expectations. We do strive to be as upfront as possible about the coverage regarding the exclusion of pre-existing conditions, which is anything noted as symptomatic or diagnosed prior to the start of the policy and through the initial waiting or exclusionary periods. Since the condition occurred during the 14-day illness waiting period, we were unable to provide coverage for the claims. We understand this was not the outcome you were expecting and you've spoken with a team member regarding your concerns, but if you have any other questions, please feel free to reach out and we're happy to assist as we are able.
Best regards,The Embrace Team
Reviewed May 15, 2026
I am very impressed with the quality of Embrace Pet Insurance and the kindness of claims staff to thoroughly explain pre existing conditions for my cat, and the staff have always been very helpful through emails, and phone calls.
Hello Kristi,
We're happy to hear you've experienced kind and helpful service from our team, and we sincerely appreciate you taking the time to leave us a positive review!
Best regards,The Embrace Team
Reviewed May 14, 2026
I have had three cats over 25 years, and I have found Embrace Pet Insurance to be the best. They are there when I need them. The Wellness Coverage applies to basics like vaccines and monthly applications like Revolution for heartworm and ear mites, etc. It covers dentals as well.
Hello Helle,
We're thrilled to hear that you've been satisfied with your coverage over the years. Thank you for taking the time to share your experience and for choosing Embrace to help keep your furry family members healthy and happy!
Best regards,The Embrace Team
Reviewed May 12, 2026
Ozzie’s insurance has provided the coverage we were looking for, but because of the economy and Biden the cost is doubled, and the agent was very knowledgeable and a successful and reasonable solution which we were very pleased with.
Hello Ulrich,
We understand premium increases are challenging. Our goal is to work closely with each policyholder to explore personalized solutions to support you during this time, so we're glad to hear you found our representative knowledgeable and they were able to provide resolution to your satisfaction. We sincerely appreciate you taking the time to leave us a review and we're grateful for your continued trust!
Best regards,The Embrace Team
Reviewed May 12, 2026
I am extremely disappointed with my experience with this company. Despite filing zero claims, my premiums have increased dramatically each year, apparently due to my pet’s age and the tenure of my policy. When I asked about options, I was told I could reduce my coverage to lower the premium. However, I was also told that if I ever wanted to increase the coverage again, my pet would have to go through another health history review. Any conditions that developed since the prior review could then be considered pre-existing and excluded from coverage. In practice, this makes it very difficult to reduce coverage without risking the loss of future protection, which leaves customers feeling trapped in increasingly expensive policies.
Rather than rewarding loyal customers, it feels as though long-term policyholders are being penalized with excessive premium hikes. My policy increased by approximately 45% after the first year, then 72% the following year, and another 108% this year. In total, my premium has increased by approximately 418% over three years.
I have never experienced this level of year-over-year increase with any other bill or service. When I contacted the company to discuss the issue, I was given only generic explanations. They also refused to confirm whether they had filed a rate increase with the appropriate state regulatory board. Based on my experience, I would caution other pet owners to carefully review the long-term affordability of this coverage before purchasing a policy.
Once your pet reaches a certain age or develops any health conditions, switching insurers may become extremely difficult because new policies often exclude pre-existing conditions. That can leave customers stuck choosing between unaffordable premium increases or losing coverage for conditions already covered under the existing policy. I wish I had understood this risk more clearly before enrolling. Prospective customers should look very carefully at how premiums may increase over time and what their options really are if the policy becomes unaffordable.
Hello,
We understand that premium increases are challenging, and we truly regret any disappointment you've experienced with your renewal quote. We also want to assure you that any increases implemented are approved with all compliance standards within the state. We understand you've already spoken with a representative regarding your concerns, so this is likely not new information, but Embrace conducts an actuarial analysis each year, and it is these findings that help us to determine increases in premium pricing for all policies for the term ahead. Our renewal increases are based on multiple factors including the age of the insured pet(s), tenure of the pet(s) on the policy, and veterinary inflation. This includes not only rising veterinary costs but also the recent advances we are seeing in veterinary care. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens.
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. We were unable to locate your account to view additional details, but if you would like to explore these options further please feel free to reach out to embracesocial@embracepetinsurance.com with your full name and policy number and we're happy to help.
Best regards,The Embrace Team
Reviewed May 12, 2026
I insured a 6 month puppy just over a week after adopting from a shelter. There is a waiting period for the insurance to start. The second day after the accident portion of the coverage began my puppy passed a bloody bundle of sticks and needed to be hospitalized. Embrace will not cover it as there was no specific incident in which he ate a stick (he was just crazy about eating everything after being in the shelter his whole life and it was a constant battle). I know all insurance companies make their money by denying claims but this company aligned itself with USAA and I expected the same level of quality and service. They are nothing like USAA...
Hello Thor,
We appreciate you choosing Embrace for your puppy's health insurance needs and we are sincerely sorry to hear that your experience with our company has not met your expectations. We do strive to be as upfront as possible about the coverage regarding the exclusion of pre-existing conditions, which is anything noted as symptomatic or diagnosed prior to the start of the policy and through the initial waiting or exclusionary periods. Since this was an ongoing issue that started prior to the policy purchase, your claim did not meet the criteria of an accident per your policy's terms and conditions. However, any time you feel there was an incorrect assessment you do have the option to appeal. We see you've spoken with a team member who has provided additional information regarding this process. We understand this was not the outcome you were expecting, and if you have any other questions or would like further clarification, please feel free to reach out to the claims adjuster directly and they will be happy to assist you.
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
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