Embrace Pet Insurance Reviews

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.

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!!

During my conversation today with a gentleman named Clay representing the company embrace for customer service, I was able to find out in a professional, succinct and helpful manner everything that I had asked. What was most unusual is the degree to which I felt that this man actually cared about what he was telling me which I find highly unusual in customer service today if I can even understand what they’re saying from another country representing people in the United States, who wish to talk to someone who can meet their needs.

I was so upset after Nationwide canceled my precious Duchess’s after 5 years and they tried to get me to take THEIR lesser company with less coverage and higher premiums, so I tried Met Life. They were so rude and certainly for almost $200 a month I expected them to be better, They insisted I give them 2 1/2 years back full Vet records and insisted I go back to my vet and tell her to change and list specifics. They wouldn’t accept her annual exam and notes. I cancelled them immediately. They never paid anything after almost $400 in premiums and said I had 10 days to resubmit so I was worried and got Spot. They were ok. I had them less than 24 hours. Finally called my Vet and they recommended Embrace and with Tiffany’s help I am relieved and feel blessed. Thank you Tiffany.

Overall, my experience with Embrace Pet Insurance ended up being a very positive one, and I want to take a moment to recognize the call center customer service team. In my experience, the financial side that communicates through email can sometimes take longer to resolve issues. It can turn into a back-and-forth where emails are exchanged for a while without much progress unless you call. That’s where the phone representatives really shine. Personally, while my claim did take several months to resolve, every customer service representative I spoke with over the phone was kind, patient, and professional. They always treated me with respect and made a real effort to help, which I truly appreciated during what was a stressful situation.

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.

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.

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.

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.

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.