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.
- 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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- 4,880,395 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed May 6, 2026
Embrace is the best pet insurance company I have ever had the pleasure of working with. Fabulous customer service with very personable customer representatives. They are quick to help solve issues, if they can’t help with a particular issue, they find the resolution quickly. Claims are easy to submit and your approved claims are received very quickly. I recommend Embrace highly. This is one company that puts customer service first..
Hello Barbara,
We strive to provide exceptional customer service and to process claims as efficiently as possible, so we're thrilled to hear you've had a positive experience with your policy! We're also glad to hear that our team has been able to quickly address your concerns and resolve any issues. Thank you for your recommendation and for taking the time to share your feedback!
Best regards,The Embrace Team
Reviewed May 5, 2026
Embrace is very customer oriented. Outstanding customer service at all times. Claims handled swiftly. All questions answered. Would definitely and have recommend to others. Great price for the coverage provided.
Hello Dedra,
Thank you for the recommendation! 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 again 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 5, 2026
Thank you for helping me be the best pet owner possible. The feeling of not being able to care for your animal when they're needing the best treatment the most is the worst feeling,, I'm just grateful that there's pet insurance now and I love it. I love you guys. You're the best. Thank you. Thank you so much from Minnesota much love.
Hello Amanda,
We understand how important pet insurance is, especially when facing unexpected vet bills, and we are glad your policy has provided peace of mind and the ability to choose treatments based on the best care options available, not based on the cost. Thank you for taking the time to share your experience and for choosing Embrace to help keep your furry family member healthy and happy!
Best regards,The Embrace Team
Reviewed May 2, 2026
I trust Embrace because of their response to claims submitted when my pup was diagnosed with a sprained shoulder. He is on an anti-inflammatory, goes to weekly canine rehabilitation therapy and follow-up vet appointments. They've made it easy to submit claims, and it's a quick turnaround on being reimbursed. Customer service reps have been helpful and friendly! I'm so glad I chose Embrace!
Hello Penny,
We're happy to hear that you’ve found our claims process to be efficient and prompt and you've been happy with our service team! We hope your pup makes a speedy recovery and we sincerely appreciate you taking the time to share your experience.
Best regards,The Embrace Team
Reviewed May 1, 2026
We have had Embrace insurance for more than 2 years. We have a dog with a medical condition and they have always processed our filed claims promptly. Easy contact with knowledgeable reps. Absolutely no negative comments.
Hello Donna,
We're happy to hear that you've had a positive experience with our representatives and claims processing over the years. We sincerely appreciate your kind words and thank you for taking the time to share that feedback!
Best regards,The Embrace Team
Reviewed April 30, 2026
I don’t like the knew report notification. There used to be a list. I could not find everything. This software does not give a dollar amount if a request for more information is asked. Hence I don’t know which claim to look for.
Hello Janet,
We see you were able to speak with a representative regarding your claims, but if you have any additional questions or concerns please feel free to reach out and we're happy to help. We appreciate you taking the time to share your feedback and we will use it to continuously improve our services!
Best regards,The Embrace Team
Reviewed April 17, 2026
I reached out to Embrace Pet Insurance and spoke to service representative Hailey. I would like to highlight her professionalism, knowledge, and her calm demeanor. Hailey's enthusiasm and bubbly personality made for a pleasant phone call. Highly recommend Embrace Pet Insurance; the staff goes above and beyond to provide stellar customer service!
Hello Melida,
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 April 7, 2026
Embrace partnered with USAA consistently delivers exceptional customer service that is hard to find these days. Each and every CS Specialist from the Call Center to the Claims Department have been an absolute pleasure to deal with. Claims and reimbursements are handled promptly and efficiently, with an impressive turnaround time. I cannot express my appreciation on the level of care and support they always provide. Thank you, Embrace, for truly caring about your customers.
Hello Marquesa,
We're proud to be partnered with USAA and strive to provide the best service for you and your furry family members, so we're glad our team has met your expectations and you've been satisfied with the processing of your claims. We sincerely appreciate your kind words and you taking the time to leave us a positive review!
Best regards,The Embrace Team
Reviewed April 7, 2026
Please look elsewhere. I filed a claim for $3000.00 for my 7 year old healthy pup. My claim went from $70.00 to $170.00 a month.
Hello Joanne,
We understand that premium increases are challenging, and we truly regret any disappointment you've experienced with your policy. We know that as a customer of Embrace for multiple years, you have experienced a premium increase before and in light of that, some of this information may already be familiar to you, 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. We strive to find a balance in maintaining quality coverage for the pets that we insure, while also factoring in changes in the marketplace, but the reality of the premiums is that they do go up over time as our pets get older to account for the increasing risk of illness and injury. Please know that you have options and our team is here to help you review your plan, explore ways to adjust your coverage, or find alternate coverage to keep a level of protection in place. Our goal is to work closely with each policyholder to explore personalized solutions to support you during this time, so if you have any other questions or would like to explore those options further, please feel free to reach out and we're happy to provide additional assistance.
Best regards,The Embrace Team
Reviewed April 2, 2026
Policy ** renewal was increased by 150%. Reason GIVEN, rising vet costs and "overall health trends" for my 2 dogs. One dog (Ellie) had lymphoma and they had to pay over $45,000 over the last 20 months. The other dog (Dugan) had zero claims. Even after I removed Ellie who died 3/15/26 the new rate just for Dugan went from $254.14 to $561.15. I had to reduce most coverage to get it down to $424.41 monthly.
Hello Kathleen,
First and foremost, we are so sorry for the loss of your beloved Ellie. Please know we are sending well wishes to you during this difficult time. We also regret any disappointment you experienced with your recent renewal quote. Each year, Embrace conducts an actuarial 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. This includes not only rising veterinary costs but also the recent advances we are seeing in veterinary care. 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 understand you have already reviewed these options, but if you have any other questions, please feel free to reach out and we're happy to provide additional assistance.
Best regards,The Embrace Team
Reviewed April 1, 2026
She was friendly, concise, helpful. She gave two options to make the next step in my communication to your firm. My questions were short and easily answered. Her voice was calm, and reassuring. However, the repeated returns to improve this feedback is obnoxious and very annoying.
Hello Linda,
We're happy to hear you experienced helpful and friendly service from our representative. Our goal is always to support our policyholders and their pets, and we truly value your feedback as we strive to continuously improve our services!
Best regards,The Embrace Team
Reviewed April 1, 2026
I am a new customer. The past 7 years, I have been with multiple insurers, and Embrace's customer support is efficient, helpful and claims process quickly. The web version for account support works better than the app version. They send out helpful emails tips to keep you informed of your options for pet care.
Hello Kamesha,
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 March 31, 2026
Embrace takes care of my 2 animals. They are very competitive in premiums. Their staff is always very friendly and very competent. I get my refunds in a timely manner. I have recommended them to several people.
Hello Charlene,
Thank you for your recommendation and for taking the time to share that feedback! 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 March 30, 2026
I cannot be happier with the service of USAA Embrace. When I had three dogs, it was so expensive. Now that I only have two, RIP Angel, it still remains expensive. My little girl Foxy, continues to have expensive needs (allergies, etc). Every time I’ve submitted a claim or spoke to a representative, the service was exceptional. I just might get another dog because of it lol.
Hello Tracey,
We're proud to be partnered with USAA and strive to provide the best service for you and your fur babies, so we're glad our team has met your expectations. Thank you so much for taking the time to share that feedback!
Best regards,The Embrace Team
Reviewed March 26, 2026
They have been pretty good over the years. My pets are now at the end of their life. I haven't had many claims up till now. They have reassured me my claims will be processed. They even have a plan for geriatric pets at the end of life which gets them through with comfort.
Hello Jan,
We're grateful for your continued trust and appreciate you taking the time to share that feedback. Thank you for choosing Embrace to help keep your furry family members healthy and happy!
Best regards,The Embrace Team
Reviewed March 24, 2026
Everyone has been so very helpful and kind. So very happy for the supportive service and ease to submit a claim. My goal was hopefully not to use the insurance, got it for peace of mind but within a short time my Golden came down with Cancer. Thankful for Embrace!!!
Hello Cheryl,
First and foremost, we're so sorry to hear about your dog's diagnosis. We understand how challenging this time must have been, but we're glad your policy has helped provide some peace of mind and has been there to help during your time of need. Please know we are sending well wishes to you and we sincerely appreciate you taking the time to share your experience!
Best regards,The Embrace Team
Reviewed March 23, 2026
I went with USAA Embrace due to price and the fact USAA endorsed them. From day one I have had nothing but trouble from them either trying to label my puppy with a pre existing condition, like an ortho issue or something else. My pup has no pre existing conditions and his Vet worked so hard via her notes to prove that to Embrace. My vet said she deals with many pet ins cos and she has never seen one that tries to dodge and not pay legitimate claims. I filed a claim this month and it was denied: pre existing condition being the reason. THIS WAS THE FIRST TIME MY PUP SAW THE DOCTOR FOR THIS REASON.
This company looks FOR ANY GRAY AREA, ANY REASON to deny a claim. I feel battle weary and just over all this, they make me feel like they are the enemy not here to help me. I spoke to a Sam and she said I could file an appeal, but I would need to get the doctor involved. I told her I would not ask the vet to do anymore work on this as her notes were complete and lengthily.
Sam told me the claim would probably be denied again if the doctor did work with them on the appeal. Sam did not seem to have any compassion, did not even ask how Jaxon was doing, just all about denying the claim. I am going to start looking for another insurance co even if it costs me more, I have lost trust in this company. I will also let USAA know about it.
Hello Jacqueline,
We sincerely regret any disappointment you've experienced with the outcome of your claims, and we want to assure you that we are committed to providing consistent coverage for pets throughout their life, with 92% of the claims received qualifying for coverage. We also strive to be as upfront as possible 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 or exclusionary periods. Pre-existing conditions are determined directly from the notes provided to us from your veterinarian. This policy ensures that pre-existing conditions are accurately assessed and helps us provide fair and consistent coverage for all policyholders. However, any time you feel there was an incorrect assessment we welcome you to discuss your concerns with our team. We see one of our team members followed up to further address your concerns. If you have any additional questions, please feel free to reply to them directly and they will be happy to help.
Best regards,The Embrace Team
Reviewed March 23, 2026
DON'T hold your breath waiting for a reimbursement. I had to contact my vet several times only to find out that they had responded to Embrace twice. They then told me it would take up to 8 weeks for the check. Oh, Yeah! I do bank deposit. I was reluctant, but with their snail mail delays, I opted for it. They have a (supposedly) secure way to give them my account # but I will be looking for another company as soon as my claims are done.
Hello Sherry,
We strive to process claims as efficiently as possible and we sincerely regret that your expectations were not met. When claim reimbursement checks are sent in the mail, we ask that you allow 10-15 business days for it to be received as we unfortunately have no control over USPS delays. We see one of our team members followed up to further address your concerns, but if you have any other questions please feel free to reach out and we're happy to provide additional assistance.
Best regards,The Embrace Team
Reviewed March 20, 2026
They are great during quiet times and unbelievably amazing when you need them. Claims are reviewed quickly and everyone is so friendly and kind. Could not be any better! My cat had surgery and they were very helpful.
Hello Maxine,
We're happy to hear you experienced friendly service and found our claims process to be efficient and prompt! We sincerely appreciate the kind words and you taking the time to share that feedback!
Best regards,The Embrace Team
Reviewed March 19, 2026
So far, this pet insurance has been great. Claims are covered quickly. Phone calls are answered and questions are resolved each time I call. My 3 dogs have all had their routine care covered without any questions. The filing is also straightforward via the phone app.
Hello Mary,
We're happy to hear you've found the claims process to be straightforward and that you received the coverage you expected. 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 March 19, 2026
Embrace has been excellent. I decided to buy pet insurance the day we got our new puppy & very glad I did. Our dog required TPLO on both rear “knees”, and having pet insurance was a life saver. Embrace app is easy to use. Filing on the app for reimbursement is convenient. I’ve also spoken a few times to their representatives. All have been kind, honest and helpful.
Hello Carolyn,
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 March 18, 2026
I would have given Embrace a 10 out of 10 until I got my policy renewal documents. My rate went from around $180 to $560 monthly with a $1000. deductible and $10,000 max benefit. My dog is 14 and he has a cardiac condition and I live in California so I expected a rate increase but not by 280%. This means I will no longer be able to afford coverage at a time when I will need it the most. But again: they have been great. None of my claims have been denied, the people that can help via their Paw Desk service, and customer service has been great. I would recommend them but only for younger dogs.
Hello Julie,
Please know that we certainly understand your concerns with your recent renewal notice. Each year, Embrace conducts an actuarial 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. This includes not only rising veterinary costs but also the recent advances we are seeing in veterinary care. 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.
In situations like what you are facing at your renewal, we understand it can be hard to decide how to proceed. Please know that you have options and our team is here to help you review your plan, explore ways to adjust your coverage, or find alternate coverage to keep a level of protection in place. Our goal is to work closely with each policyholder to explore personalized solutions to support you during this time. We understand you've already spoken with a representative, but if you have any other questions or would like to explore those options further, please feel free to reach out and we're happy to provide additional assistance.
Best regards,The Embrace Team
Reviewed March 18, 2026
We are so happy with the agents we talk to and are looking to listen when things come up. We never hesitate to to call when something comes up, great job. Janelle was a very pleasant young lady to talk to and this is a great percentage of why we like dealing with them. It’s worrisome when our furry family member needs attention, it’s great to know they are there for us.
Hello William,
We're glad to hear that our team has provided you with the information and support needed during a stressful time, and we sincerely appreciate you taking the time to share your experience!
Best regards,The Embrace Team
Reviewed March 17, 2026
All questions were addressed and answered by Amy. No rushing through the process, and was very patient when presenting everything the plan covers and answering all our questions. Wanted to be sure we selected the best plan/coverage for our new family member.
Hello Paul,
Thank you for taking the time to share that feedback. We're happy to hear that your experience was satisfactory and that our representative helped to guide your decision to choose Embrace. Please do not hesitate to reach out if you have any questions or concerns as you continue to explore your coverage!
Best regards,The Embrace Team
Reviewed March 16, 2026
I wish I could give ZERO stars... Stay away from Embrace for sure. (Maybe other policies work the same way - not sure) BUT they didn't do any checking or provide exclusions until you file your first claim (which for me was almost 24 months after policy began) so they had collected 24 months of premiums before they tell you... This is a pre-existing condition and this won't be covered etc. I would stay far away from this provider.
Hello Shaun,
We sincerely regret any disappointment you experienced with our company. We strive to be as transparent as possible about our coverage requirements, and 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.
When a policy is first purchased, we offer an option to complete a complimentary Medical History Review upfront for your pet. It is essentially a complete assessment of your pet's health history and is offered so you can feel confident in your pet's coverage! It provides you with a detailed report of what is considered pre-existing and not eligible for coverage. However, if this review is not requested by the pet parent, 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.
The first accident or illness related claim submitted will typically take about 30 business days to process. During this time, our claims team works directly with your vet provider(s) to gather the medical records we need and pre-existing conditions are determined directly from the notes provided to us from your veterinarian. This policy ensures that pre-existing conditions are accurately assessed and helps us provide fair and consistent coverage for all policyholders. We understand your claims did not turn out the way you anticipated and you've spoken with a representative regarding your concerns, but if you have any additional questions please feel free to reach out and we're happy to assist as we are able.
Best regards,The Embrace Team
Reviewed March 14, 2026
Clay was my Customer Service Agent,,, He was very professional and helpful in explaining the Health Insurance for my dog and cat. Embrace gives good value for the money. Seem to be a good Company to have your pet insurance with.
Hello Jack,
We strive to provide our customers with knowledgeable and professional support, so we're pleased to hear you had a positive experience with our representative. Thank you for taking the time to share your feedback!
Best regards,The Embrace Team
Reviewed March 13, 2026
Horrible. Despite the 2 vets' letters of medical necessity, they denied based on the technicality of contract, even if they conceded that condition is NOT pre-existing. The life saving mediecaltion is not FDA approved, even FDA agrees that they are allowed the medication as only viable option... Embrace denied it. HOW MANY of us want to START A MASSIVE CLASS ACTION??
Hello Victoria,
We regret any disappointment you experienced with the outcome of your claim. Per the terms of your policy, only medications and prescriptions that are FDA-approved are eligible for coverage under the prescription drug extension of your accident & illness policy. We are required to uphold the coverage as outlined in our policy documents; however, we are always re-evaluating to potentially extend this coverage in the future. If you have concerns about any of the decisions on your claims, please do not hesitate to let us know and our team would be happy to assist as we are able.
Best regards,The Embrace Team
Reviewed March 11, 2026
This is the second dog I’ve insured with Embrace. It has been extremely easy to submit claims and get them paid. Everybody that I have spoken to at the company has been professional, knowledgeable and extremely professional.
Hello Victoria,
We're thrilled to hear you've experienced professional and knowledgeable 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 March 10, 2026
It was a pleasure conducting business with Dana at Embrace. She resolved my issues, was kind and professional! Dana is a wonderful asset to Embrace. I will recommend Embrace to family and friends. I haven’t needed your insurance yet but look forward to excellent customer service should I need to file a claim.
Hello Starr,
We're happy to hear you experienced kind and professional service from our representative! We also sincerely appreciate your recommendation and you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed March 10, 2026
I spent a long time comparing Pet insurance plans when we got our five-year-old as a puppy. Embrace seemed to offer all I was looking for & in the five years we have had it & no regrets. Excellent customer service, prompt decisions & payment of invoices and very understanding when it comes to discussing policy tweaks if you need to. Highly recommend.
Hello Sue,
We understand the importance of finding the right pet insurance for your needs, and we're grateful you chose Embrace after researching various options. We also sincerely appreciate your recommendation and you taking the time to leave us a positive review!
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
