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
Embrace Pet Insurance Reviews
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- 4,946,968 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
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Reviewed July 17, 2026
At this time, I am very frustrated with Embrace; they do not update customers on claim status, fail to respond to communication attempts in a timely manner and are misleading when asked about claim reimbursement. When we signed all of our pets up with Embrace, I was told by company representatives that reimbursement on claims was quick and usually within 48 hours. Our experience thus far has been horrible, and I am waiting on our claim to be reviewed and for reimbursement. I am not sure if staying with them is a good option for us. We will see how the rest of this claim goes.
Hello Christy,
We sincerely regret any frustration you experienced with the claims process. The first accident or illness claim submitted typically takes about 30 business days to process. During this time, we work directly with you and your vets 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. Once the medical history review is complete, it’s a much smoother process moving forward and our standard processing time for claims is 10-15 business days. We see you've spoken with a representative regarding your concerns, but if you have any additional questions please feel free to reach out to our Customer Care team and we're happy to help.
Best regards,The Embrace Team
Reviewed July 16, 2026
I was shopping pet insurances because my current one was very disappointing and i had enough. I shopped Embrace after 5 others and was most pleased with the service, explanations and process.Very user friendly and flexible.
Hello Sheryl,
We understand the importance of finding the right pet insurance for your needs, and we're grateful you chose Embrace to help keep your furry family member healthy and happy! We also sincerely appreciate you taking the time to share your experience!
Best regards,The Embrace Team
Reviewed July 16, 2026
For my first-ever purchase of pet insurance for my puppy "King" ( a Biewer terrier), I was expertly assisted by customer service representative Wesley on the telephone. I am grateful for the personalized service he afforded me. He was extremely pleasant and professional. He explained added coverages I might have missed if I had done the process myself online.
Hello Catherine,
We’re happy to hear that your experience with Wesley 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 again for taking the time to share your experience and for choosing Embrace to help keep King healthy and happy!
Best regards,The Embrace Team
Reviewed July 15, 2026
It has been a pleasure working with Embrace Pet Insurance, quick returns for your pet's bills and always answers any and all questions! So I highly recommend for your pets. You never know when they can have a accident or get sick.
Hello Sharon,
Thank you for taking the time to share that feedback! We’re happy to hear you’ve had a positive experience with your policy and we sincerely appreciate your recommendation!
Best regards,The Embrace Team
Reviewed July 10, 2026
Well, let me tell you, when I called in from USAA, the sales lady was very compelling and did a great sales pitch. SO I bought the insurance for my Senior German Shepherd, thinking and knowing he did not have any preexisting conditions. Paid 2 months into the policy ($150) about each month, then they Embrace wanted a annual exam.
Our Max had not been to the vet in over a year and never had any issues. SO we got the exam on the Military base, and the CPT said he was fine, a little overweight and showing signs of hip dysplasia and recommended a monthly pill called (Librela) would help. SO unfortunate they did not carry this and we would have to get it from another provider. We went to our Local VCA, and the Vet did a very quick overview of Max and said everything was fine; he got the shot. And we were told the shot might give him a little big of lethargy and then ok, BUT NO. 10 days later his spleen busted and we raced him to that Vet and sure enough, no coming back from this.
SO I filed a claim and there was 2 words in a document buried from the 2025 visit (Choppy gait), which apparently this is a preexisting condition, SO face forward no claims were paid out, or I should say $105 ish and nothing else over $1000 paid out $100 because pre existing. BE very aware of what you are signing and getting into. LOOK at all your doctor's notes before you get a policy. LESSON Learned: 2 words in a buried vet note killed our chances of getting insurance. Usually a Vet gives you an invoice, and you pay. Very rare unless you ask for it, the vet's notes, read carefully and exam just in case because these people take your money without regard. And to top it off, it took about 30 days to get a denied claim. On top of that, I was told via chat that the policy will cancel once I told them Max passed, but it did not. I had to call in, and I am hoping, as the lady said, it will be closed.
Hello Robin,
First and foremost, we are so very sorry for the loss of your beloved dog! Please know we are sending well wishes and our hearts go out to you as you navigate this challenging time.
We strive to be as upfront as possible about our coverage and the exclusion of pre-existing conditions, which are defined as anything diagnosed or symptomatic prior to starting the policy and through the initial waiting and/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. We understand this was not the outcome you were hoping for and we sincerely regret any disappointment you experienced. We see a team member has followed up to provide further information regarding your policy cancellation, but if you have any additional questions please feel free to reach out to our Customer Care team and we're here to help.
Best regards,The Embrace Team
Reviewed July 7, 2026
Very disappointed with Embrace. I had insurance with them in the past and had a great experience; however, apparently, everything has changed. They offer an orthopedic report card for your dog to waive the 180 day waiting period to be filled out in the first 14 days. WARNING: This is invalid if you live in AL, AK, AR, AZ, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KY, MA, ME, MD, MI, MN, MS, MO, MT, NE, NJ, ND, NV, OH, OK, OR, RI, SD, TN, TX, UT, VA, WV, WI, WY. This is a new policy as of September 2025. The language is not clear and is well hidden. So if you think you are getting insurance and a waiver for the 180-day waiting period, think again. We used this waiver in the past, and although my pup has never had an orthopedic condition, it gave me peace of mind.
Hello Sarai,
We regret any disappointment you experienced with our change in policies. Waiting periods and exclusionary periods do vary from state to state to ensure that we are in compliance with each state's regulations. The absence of the orthopedic report card in some states is due to a different orthopedic exclusionary period being put into place in those states. While there is no orthopedic report card to reduce the time frame of this exclusionary period, it is narrowed down to four specific conditions as opposed to all orthopedic conditions as a whole. The acknowledgements that are agreed to upon purchasing a policy do direct pet parents to review their policy terms and conditions for the details on their waiting and exclusionary periods, where this is outlined.
We appreciate you taking the time to share your experience with us and we are always looking for ways to improve. We see you have been in contact with our representatives already. If we can be of any further assistance please do not hesitate to reach back out!
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
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
