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 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
Reviewed May 12, 2026
I have had 5 dogs over the last 30 years. 3 French bulldogs. Finally purchased a policy for my french puppy. He was diagnosed 11/20/25 with boas. He had been to the vet 5 times since 9/10/2024. Vet never mentioned boas. Told me thyroid or Addison's disease was causing regurgitation. Vet stuck boas in his file in 2024 without ultrasound or any imaging. Obviously to cover herself. Embrace denied every bill after that 2024 date as pre existing. I am stuck eating over 5k in bills and needing surgery that will cost 10k. It’s still typical insurance, pass the baton, point the finger and make it impossible to get a live person to appeal. Don’t waste any money if your breed has potential classic problems. Every french bulldogs can be diagnosed with stenotic nares or boas. Policy is a worthless piece of paper. Seeing my premiums are $1200 a year.
Rob,
We are sorry to hear of your disappointment with your policy regarding the decision on your submitted claims and the pre-existing conditions identified for your pet. We want to assure you we are happy to provide coverage when able and over 90% of our the claims submitted to us qualify for coverage. We are however, unable to provide coverage for pre-existing conditions. We strive to be as upfront as possible in regard to what we can and cannot cover, and Embrace has a set list of exclusions as part of the Terms and Conditions for the policy. We are sorry to hear that your experience with Embrace did not meet your expectations. If there are any additional questions about your policy or the related claims decisions that we can assist with, please do not hesitate to reach out.
Best regards,The Embrace Team
Reviewed May 11, 2026
I set up a pet insurance policy very easily and am quite satisfied that it will meet all my insurance needs. I was impressed with the low premium, and high coverage. Additionally, I am receiving the wellness coverage which is excellent.
Cheryl,
Thank you for sharing your positive review of Embrace. We are thrilled that you have been satisfied with your coverage and appreciate you taking the time to share your experience!
Best regards,The Embrace Team
Reviewed May 11, 2026
I am ashamed of USAA for associating with such a dishonest company. When signing up, they lie and tell you everything will be covered during 'waiting period'. Then, once you submit a claim, they deny everything. That's when you find out that anything within the last 12 months is considered 'pre existing.' Worse yet, they take their sweet time 'processing' your initial claim, leading to you being just a couple days over your 30-day money back guarantee. Absolutely shameful business practice. DO NOT WASTE YOU MONEY!
Hello Denny,
We sincerely regret that your expectations were not met regarding your experience with Embrace. Unfortunately, no pet insurance company is able to provide coverage for pre-existing conditions, and that standard is the same with Embrace. Information regarding how we view pre-existing conditions and also, our waiting / exclusionary periods, is included within our policy documents, policy acknowledgements and our onboarding emails.
We do distinguish between temporary and permanent pre-existing conditions as we understand that some conditions (like diarrhea) can be symptoms of something curable. Temporary conditions are eligible to expire if the pet meets certain criteria. We were unable to locate your account to view the specific details regarding your concerns, but 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 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
Originally a pretty good experience. But in our time of need, the company's computer system went down for a week, making it impossible to submit claims. Call with a question? Be prepared to wait at least 30 minutes is our experience.
Hello Rod,
Thank you for reaching out and sharing your feedback regarding your recent experiences with Embrace. We are sorry to hear of the difficulty that you have faced in reaching us both via phone and also, via access to your customer account. Please know that we understand how important access to your policy is, and with this, we are working to hire and train more team members to address phone calls, as well as improving functionality with the MyEmbrace platform. Look forward to improvements soon!
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 May 7, 2026
I am confident in knowing Embrace Pet Insurance will be alongside me on the journey ahead to raise my new puppy, Gunnar. Such a relief. This is the first time I've had pet insurance. Embrace has competitive rates, online enrollment is easy, and the customer service when speaking with a representative when I had questions, was phenomenal. I have no doubt I made the right choice by selecting Embrace Pet Insurance.
Hello Rick,
We're glad to hear you found the sign-up process easy and we appreciate you taking the time to leave us a positive review. Please do not hesitate to reach out if you have any questions or concerns as you continue to explore your coverage. Thank you for choosing Embrace to help keep Gunnar healthy and happy!
Best regards,The Embrace Team
Reviewed May 6, 2026
Dana is such a sweetheart. A total professional at her station. The service that was rendered was exceptional and outstanding. Thank you, Dana and Embrace Pet Insurance.
U.S. Army Ret.
Hello Ronnie,
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 May 6, 2026
Embrace has been covering my Shih Tzu, Lucy, since 2017. Lucy is now thirteen years old. Anytime I have had to contact embrace or file claims. I have been very satisfied with the responses received from Embrace. They process claims fairly quickly and thoroughly, and I believe they offer a fair price for the quality of their services. I have highly recommended them to family and friends seeking health insurance coverage for their pet, will continue to do so.
Hello Carol,
We're happy to hear that you've had positive experiences with our team and claims processing over the years! We sincerely appreciate you recommending us to your family and friends, and we're grateful for your kind words and continued trust. Thank you for taking the time to share that feedback!
Best regards,The Embrace Team
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 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 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 20, 2026
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.
He is a highly gifted communicator and articulated the mission with clarity and a steadfast commitment to the highest level of performance, and I have never talked to this guy before today, but he was excellent and deserves to either be running customer service or paid significantly for the skillful and helpful, rare qualities that he possesses.
Hello Barry,
We're committed to providing exceptional service for our policyholders, so we’re happy to hear that your experience with Clay was satisfactory and that his product knowledge helped to guide your decision to choose Embrace. Please do not hesitate to reach out if you have any additional questions. We appreciate your kind words and you taking the time to leave us a positive review!
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
Reviewed March 10, 2026
Embrace Pet Insurance is the best. The company has knowledgeable and compassionate representatives who are readily available via telephone. Their service as far as superior to other companies offering pet insurance. I strongly encourage you to consider them as you seek the best possible insurance, and consumer care, for your pet.
Hello William,
We're committed to providing exceptional service and coverage for our policyholders, so we're happy to hear you've experienced knowledgeable and compassionate service from our team. We sincerely appreciate your kind words, your recommendation, and you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed March 9, 2026
I have had nothing but a perfect experience with Embrace. The policy is easy to read and understand. The app is user friendly, payments are prompt. The customer service is great and friendly. They have accepted every invoice I've sent them and allow me to have my pets seen by a vet of choice. It's super easy to set up a policy, and to get answer on specific add on needed that you forget when trying to make sure your pet is covered.
Hello Alexander,
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 9, 2026
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.
Hello Patty,
We understand the importance of finding the right pet insurance for your needs, and we're happy to hear you chose Embrace to help keep your fur baby healthy and happy! Please do not hesitate to reach out if you have any questions as you continue to explore your coverage. Thank you for taking the time to leave us a review!
Best regards,The Embrace Team
Reviewed March 9, 2026
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.
I especially want to give a big thank you to Britney, who carefully reviewed my case and followed through until the payment was finally processed. Her professionalism, calming tone, and genuine commitment to helping made a huge difference. It’s clear that Embrace values customer care, and representatives like Britney reflect that. Good customer service can completely change an experience, and the team showed kindness and dedication throughout the process. Thank you again to the Embrace team for your support and professionalism.
Hello Marilyn,
Thank you for taking the time to leave that feedback! We strive to provide exceptional service, so we're happy to hear you found our representatives to be friendly, patient, and professional and we sincerely appreciate your kind words about our team. Thank you again for your continues trust and for choosing Embrace to help keep your fur baby happy and healthy!
Best regards,The Embrace Team
Reviewed March 6, 2026
When it comes to your pets, we pull out all the stops. They are our kids so I knew that my husband and I had to choose a pet insurance company that demonstrated customization, excellent coverage, history of paying claims, and for it to be easy to get reimbursed with a simple process if something does occur with our fur babies. We have 2 Persian Kitties that think they are toddlers and we don't want to worry about money or expenses should something arise with their health or wellness. Out of 12 pet insurance companies we researched, we found that EMBRACE gave us customization options, did not age discriminate, great coverage and a multi discount that was exceptional. We now have peace of mind.
Hello Carol,
We understand the importance of finding the right pet insurance for your needs, and we're glad you chose Embrace after researching various options. 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 your furry family members healthy and happy!
Best regards,The Embrace Team
Reviewed March 5, 2026
As a new member, I was not sure how the submission of my first claim would go and am delighted to say it was easy, comfortable and FAST. When I decided to modify the membership, the representative was wonderful and made it very easy.
Hello Vanessa,
We're glad to hear that you found the claims submission process quick and easy! Thank you for leaving that feedback!
Best regards,The Embrace Team
Reviewed Feb. 27, 2026
My first time using Embrace Pet, I was blown away with the customer service. I actually spoke to a live person not AI. I needed to register and file a claim online. Karen was Awesome! She walked me through the whole process including filing the claim and changing my password. By the time I changed my password and logged back in the claim was already processed. AMAZING!!! Highly recommend them!!!
Hello Janet,
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 Feb. 27, 2026
A claim I submitted was denied due to a pre-existing condition but could have easily been honored had the adjuster been transparent and asked if my pet had a procedure performed that would have removed the pre-existing condition. If denied a claim by Embrace always call in and ask questions.
Hello Teresa,
We regret any frustration you experienced with the processing of your claim. When processing claims, we go off of the medical record information we have received from your vet provider(s). However, any time you feel there was an incorrect assessment or there is additional information to provide, we welcome you to discuss your concerns with our team. We see a representative reached out to further address your concerns and resolve the issue. and your claim was reprocessed. If you have any additional questions please feel free to reach out and we're here to help!
Best regards,The Embrace Team
Reviewed Feb. 25, 2026
Embrace Pet Insurance is great. All associates are knowledgeable and willing to help with any questions. Thay are all very friendly and the insurance coverage is one of the best on the market. Claims are simple to submit.
Hello Mary,
We're committed to providing exceptional service and coverage for our policyholders, so we're happy to hear you've experienced friendly and knowledgeable service from our team. We sincerely appreciate your kind words, your recommendation, and you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed Feb. 25, 2026
Ellie Mae, my sweet Chi mix and I have been with Embrace for several years and have had great service. Their app is easy to use and I’m not a very techie person. The people on staff I sometimes need to talk to are always friendly and courteous.
Hello Bette Jean,
Thank you for the kind words! We're happy to hear you've experienced friendly and courteous service from our team over the years and we sincerely appreciate you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed Feb. 24, 2026
I just got hit with a 264% increase from Embrace!!! I have had Embrace for my Bolognese since he was a puppy, since 2011. He is now over 15 and is still pretty healthy. The premium had been increasing as he got older, last year it was $2,260. They just sent me a renewal invoice for $8,230!!! I submitted a single claim in 2015, and was reimbursed $223. At the same time, they have not raised the maximum annual reimbursement from $10,000. Why on earth would I pay over $8,000 to be reimbursed up to $10,000, when I may not even spend $8,000 in a year?!?! This is criminal. They should have just said they aren't renewing. Waste of time. We are CA residents. I would be happy to join a lawsuit.
Hello Elyse,
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 actuarial 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 and we see a team member has followed up with you to provide additional assistance.
Best regards,The Embrace Team
Reviewed Feb. 23, 2026
My senior dog was initially diagnosed with hip dysplasia. That is frequently a misdiagnosis for IVDD. After eventually determining that was likely the cause he needed an MRI to confirm. I live in Iowa and there was only one place this was available-Iowa State Veterinary. During that time they closed during COVID. I called any AAHA hospital in the Midwest with an MRI and after days finally found one. Miraculously they said they could do it the next day. Embrace issued an urgent prior authorization while I coordinated my travel and it was done in time.
The only negative I have experienced is that a payment date is set when the policy is set up. They do not allow you to change that payment date (which is beneficial if you change jobs). At this time you aren’t allowed to change even once. I can change the payment date with my mortgage and car insurance so it seems reasonable to do this for my pet insurance as well.
Hello Amy,
We're glad to hear our team was there to help you and your dog during a challenging time and we sincerely appreciate you taking the time to leave us a positive review! The billing date of your policy is linked to the original start date and it is how any changes made to the policy are calculated. At this time, our system does not permit the dates to be unlinked and we are sincerely sorry for any inconvenience that may cause. We see you spoke with a representative regarding your concerns, but if you have any other questions please feel free to reach out and we're happy to help.
Best regards,The Embrace Team
Reviewed Feb. 22, 2026
My policy clearly states that the requirement for coverage is that the pet must have been seen by a vet within the year before the policy started, or within a two-week period after. If you can't meet this requirement, it states that the policy would downgrade to accident only and a partial refund would be sent for the illness portion being dropped. My pet was seen a few months before I got the policy, and I have an email from them stating that they have records of it. For two years I paid the premiums without ever putting in a claim. The policy was never downgraded and I did not receive a refund. Then, I put in a claim.
Now, the claim has been sitting for about three weeks with the status listed as "pending medical history", and there is a message stating that they want a detailed history for the year prior to the policy taking effect. I have sent them two messages and was told that they only have records from the exam a few months prior to the policy. I believe at this time that they are stalling making the decision, because they know that I will cancel if it is a denial and they want to make sure they give as small a refund as possible for the remaining time on the policy.
Hello Patrick,
We sincerely regret any disappointment you've experienced with the processing of your claim and we're happy to provide clarification. Since this was your pet's first accident or illness related claim submitted, it typically takes about 30 business days to process as we work directly with your vet providers to gather any additional medical records needed and review your pet's complete medical history. We work as quickly as possible, but this timeline allows us to maintain accuracy and quality in processing your claim. Our standard procedure is to reach out directly to the vet provider on your behalf for any medical records we need, 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 MyEmbrace customer account.
It is unlikely you will receive any other updates during this time unless our claims team needs your specific assistance. Once the medical history review is complete, your pending claim will move forward for processing and it's a much smoother process moving forward. Future claims do not require this review and our standard processing time is typically 10-15 business days. One of our team members also responded to your email inquiry on 2/24/26, but if you have any other questions, please feel free to reach out and we're happy to help!
Best regards,The Embrace Team
Reviewed Feb. 13, 2026
Beware of Embrace Pet Insurance – Inconsistent Claims, Shifting Denials, and Impossible Exclusions. I’m sharing my experience so other pet owners can make an informed decision before choosing Embrace. At first, Embrace seemed fine. They approved several claims for my cat’s GI issues, parasite treatment, suspected FIP, and even an ear infection. But once the claims became more complex, everything changed.
Embrace began denying claims using shifting and contradictory explanations:
• They claimed a gastrointestinal coronavirus titer was “related” to a pre‑adoption upper respiratory infection, even though my cat has not had a single sneeze or any URI symptoms since the day I adopted her.
• They reclassified a temporary URI exclusion as permanent based on a fecal test that had nothing to do with respiratory disease.
They approved a December visit for ataxia, head tilt, and neurological symptoms, but then denied a nearly identical visit in January by claiming those same symptoms were “related” to a minor pre‑policy trauma from a year earlier.
• They denied medication they had previously approved for months, calling their own approval an “error.”
• Every time my cat showed a new symptom, they extended exclusions another 12 months.
When I tried to discuss these contradictions with an adjuster, the conversation went nowhere. I explained the medical facts calmly and clearly, but logic fell on deaf ears. The adjuster simply repeated the denial and told me I could “file an appeal and send it to them,” even though they were the same person who wasn’t listening in the first place. If they dismissed my explanation, I have little confidence they would treat my veterinarian’s medical opinion any differently. The pattern became clear: Embrace will connect any condition to any past symptom to avoid paying a claim. Their interpretation of “pre‑existing” is so broad that it becomes meaningless. If your pet ever sneezed, limped, or tilted their head once, Embrace may use that to deny unrelated conditions a year later. I canceled my policy and filed a complaint with the Maryland Insurance Administration. Pet owners deserve transparency and consistency; Embrace has given me neither.
Reviewed Feb. 11, 2026
Great customer service. She answered all my questions. Very pleasant woman and she understood how I feel about my pet. There should be more people like this working instead of just looking for a Sale to show genuine compassion.
Hello C C,
Thank you for taking the time to leave us a positive review! We're committed to providing exceptional service and coverage for our policyholders, so we're happy to hear you experienced friendly and compassionate service from 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 Feb. 6, 2026
I have 2 fur babies. I spoke to Amber at Embrace and she personalized a plan to meet my needs for Hannah and Chloe. She explained everything very well and I now have confidence that I will be able to care of my 2 fur babies without worries.
Hello L S,
Welcome to the Embrace family! We're glad to hear you had a positive experience with Amber and we appreciate you taking the time to leave us a review. 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 Feb. 5, 2026
Embrace Pet Insurance is reasonable yet provides both accident and illness coverage. I appreciate being able to add on exam fees and drugs. They also have helpful employees! I would recommend them to my friends with multiple pets for sure!
Hello Gina,
Thank you so much for your positive feedback! We're delighted to hear that you value our flexible coverage and that you'd consider recommending our services to fellow pet owners. We're truly grateful for your continued trust and support!
Best regards,The Embrace Team
Reviewed Feb. 3, 2026
Embrace is a phenomenal insurance company with very knowledgeable and experienced staff who are willing to work with you to get the most out of pet insurance and coverage. Thanks Embrace. I would recommend this insurance company to anyone who is looking for a great pet insurance policy.
Hello Patricia,
Thank you for the kind words and your recommendation! We strive to provide our customers with knowledgeable and helpful support, and we're pleased that our team has met your expectations!
Best regards,The Embrace Team
Reviewed Feb. 3, 2026
Embrace has been the insurance for my dog since we got her at about 11 months. I love that we had a discount after going 3 years without a claim. Their payment turn around is outstanding as well as the coverage. My sweet girl is now 11 years old and had TPO surgery last year (nearly $8000) - Thank God we had insurance to cover 80%. Recently they called me because my monthly renewal rate was going up A LOT. They wanted to make sure I got that email and see if there was any changes we could make to the policy to lower that upcoming new rate. Who does that?? Certainly not my other dogs insurance carrier. They have great customer service & truly care about their customer not just the money.
Hello Capri,
We're happy to hear that you've had positive experiences with our team and the processing of your claims over the years. We're truly grateful for your kind words and continued trust, and we appreciate you taking the time to share that feedback!
Best regards,The Embrace Team
Reviewed Feb. 2, 2026
Embrace goes above and beyond their services to ensure your pet(s) are covered. I had the pleasure of speaking with Tonya, and she was so kind and incredibly helpful. I had better understanding of the terms and conditions were when I updated my policy for my new pet. I HIGHLY recommend them.
Hello Sierra,
We strive to provide exceptional customer service and we're pleased to hear you've had a positive experience with our representative! We sincerely appreciate your kind words, your recommendation, and you taking the time to leave us a review.
Best regards,The Embrace Team
Reviewed Jan. 28, 2026
Embrace is sleazy! I went to cancel my policy and they try to offer a lesser (accident only) policy, tell you to consider it and then call them back. In the meantime they keep billing you at the original policy amount and do nothing to cancel. It's all a "bait and switch" tactic to keep billing you and hope you never call back. I am shocked that USAA aligns their company with these fraudsters.
Reviewed Jan. 14, 2026
Embrace delivers what they say they cover. The “Embracers” provide great customer service! You feel like a person who cares for your pet with Embrace…not just another number. I’ve been reimbursed for all veterinarian care and preventative care. This is from the coverage I selected with Embrace.
Hello Kris,
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 fur baby healthy and happy!
Best regards,The Embrace Team
Reviewed Jan. 12, 2026
My experience discussing the many insurance options with the customer rep (Jody M) was excellent! He walked me through the many options knowledgeably and patiently until I was able to confidently make the best choices for my pets. I highly recommend Embrace!!
Hello A Minsk,
Thank you for the kind words and for sharing that feedback! We strive to provide our customers with knowledgeable and helpful support, and we're pleased that our representative met your expectations!
Best regards,The Embrace Team
Reviewed Jan. 12, 2026
My previous comments written concerning my speaking with your Embrace Pet Rep, Angela contains the most positive correspondence, while entailing policy benefits that are most rewarding and professional that will benefit our dear ShihTzu.
Hello Alan,
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!
Best regards,The Embrace Team
Reviewed Jan. 10, 2026
Enjoyed to Michele the Embrace customer service rep. I like that I choose which vets I want to see and where instead of driving 21 miles and waiting hours for my pets return to me. Pricing is good. My choices are many.
Hello James,
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 Jan. 6, 2026
I got the insurance when my dog was a puppy, at my vet's recommendation. In almost two years they have paid for nothing, and when they do pay, it goes to a $750 deductible I didn't know about when I signed up. The result is that I have been paying $40.00 a month for nothing. Now I had an expensive spay bill which I saw was part of the "wellness" category. So I won't get paid for that either. It's all been a total waste of money and I can't afford it. I'll get out as soon as I can. Their sign-up was completely deceiving.
Hello Mary Louise,
We sincerely regret that your experience with our company has not met your expectations. Deductibles are standard for any insurance policy, and when a policy is first purchased, the policyholder can personalize their policy by choosing the annual deductible, reimbursement percentage, and annual maximum that fits their needs and budget. While we know this is not the outcome you were hoping for, the deductible must first be met in order for reimbursement to be issued for covered claims.
We strive to be upfront about our coverage and the exclusion of routine or preventative care under the accident and illness insurance policy. However, we do understand that preventative care is important too, which is why we also have our optional Wellness Rewards plan which reimburses for routine and preventative care so that each pet parent can customize their policy to better fit their needs. If you would like to discuss your questions and concerns further, please feel free to reach out and we're here to help.
Best regards,The Embrace Team
Reviewed Jan. 2, 2026
I submitted a claim the end of Oct. 2025. Embrace requested an entire year of vet records, which my vet promptly sent over, three separate times. Embrace responded that they never received any of the submissions. I stayed on the phone with Embrace for 30 minutes to verify in person that they received the requested vet records. Miraculously, they suddenly received all of the information while I was on the phone with them. That was on December 1, 2025. Shortly after that, the claim was put on hold. I have since called several times to check on the claim, since it is still "on hold", and have been told each time that it can take up to 30 days to review a claim. No other information other than that.
Embrace requires a customer to make their monthly payments on the due date. Which I have done, every month. They should have to uphold their end and process claims in a timely manner, without excuses or sneaky tactics of trying to find ways not to pay it or to pay the smallest amount possible. It's just good business. A very similar situation happened on a claim with my other dog as well, also with Embrace. I excused that situation as a fluke since it was the first claim I had filed with this company. Now, this instance has been infinitely worse. Do better, Embrace!
Hello Kris,
We sincerely regret any frustration you've experienced with the processing of your claims. Although we try to process claims as quickly as possible, they can be delayed if we are missing any required documentation (medical records, a complete invoice, clear diagnosis or reason for the visit, etc.). We do offer an option to complete a complimentary Medical History Review upfront when the policy is first purchased, but if it's 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 stated in our onboarding emails, and the first accident or illness claim submitted will typically take about 30 business days to process.
During this time, we work directly with your vet provider(s) 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 MyEmbrace account. It is unlikely you will receive any other updates during this review period unless our claim team needs your assistance. If we need any additional information to complete the review, a team member will follow up with you to let you know. Otherwise, once the review is confirmed complete, your pending claim will move forward and you will receive a separate confirmation email once it has been finished. We also want to assure that it’s a much smoother process moving forward and our standard processing time is 10-15 business days. If you have any additional questions or concerns, please feel free to reach out and we're happy to assist you further.
Best regards,The Embrace Team
Reviewed Jan. 1, 2026
Not ONE invoice from our Vet was approved Embrace! They had an excuse to not pay for everything we submitted. We purchased the best policy available! Vet visits were supposed to be paid for, they were not. Embrace is a scam. If you have had good luck with them, by all means enjoy your success. For my 4 y/o Pure bred German Shepherd, every claim denial was a sham scam!
Hello Amelia,
We sincerely regret that your experience with our company did not meet your expectations. 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, but we are unable to provide coverage for pre-existing conditions. We see you've spoken with a team member who has provided additional details, but please feel free to reach out if you have any other questions and we're happy to assist as we are able.
Best regards,The Embrace Team
Reviewed Dec. 24, 2025
I’m 83 and have had dogs my whole life. Never had insurance, but a very recent death of my 14-year-old boy due to cancer along with Diabetes and its cost over the years years made me realize insurance was necessary. Embrace made it easy with lots of options.
Hello Larry,
We are sorry to hear of your pet's passing, and wish you the best in this difficult time. It's great to hear you found it easy to select coverage and get a policy going for your new pet, and we wish them a long, happy, and healthy life!
Best regards,The Embrace Team
Reviewed Dec. 23, 2025
My CSR Zoella is wonderful, the whole company embodies the way businesses 'used' to feel: Like they actually CARE about the customer. There is no way to properly express how much I appreciate Embrace, but if I could hug a company? This one would get a huge hug daily. <3
Hello Jenny,
Thank you so much for your glowing review, it is wonderful to hear you had such a great experience with Zoella and the rest of Embrace. We truly do believe in doing the best for our pets and pet parents!
Best regards,The Embrace Team
Reviewed Dec. 22, 2025
Great customer service. Always helpful and friendly. Customer for 3 years. Never had any problems with my claims. Submissions are easy and responses are fast. No complaints with Embrace Pet Insurance. They always take good care of me on the first contact.
Hello Kathy,
We're happy to hear our team has provided friendly and helpful service and the claim submission process has gone smoothly for you! Thank you for the kind words and for taking the time to share your experience!
Best regards,The Embrace Team
Reviewed Dec. 16, 2025
This insurance carrier for my pet is all about service. Fast, friendly, and accurate responses, even if you are not sure about your claim. Very friendly and knowledgeable staff. We have been using this carrier for some time and have never had an issue.
Hello V L,
We're happy to hear you've experienced friendly and knowledgeable service from our team and we sincerely appreciate you taking the time to share that feedback!
Best regards,The Embrace Team
Reviewed Dec. 16, 2025
I strongly recommend Embrace Pet insurance. Our cat received emergency care and was hospitalized for three days. We used funds from our vacation savings account to pay vet bills of about $8,000. We submitted a claim to Embrace. It was a quick and easy process. Our claim was approved within hours with the funds deposited directly into our bank account.
Hello Stephen,
Thank you for your review, we are so glad to hear we helped ease the stress of a pet's lengthy vet visit and handled your claim with efficiency. Thank you for choosing Embrace!
Best regards,The Embrace Team
Reviewed Dec. 12, 2025
Having never dealt with pet insurance, was unsure how this would go. Have pleasantly surprised by how easy everything has been. People are helpful and the app is user friendly. Example, we had an original name for the pet...we changed the name at the vet office...we came back home and settled on the "forever" name. I made a call to Embrace and they were understanding, and were able to make the changes no problem.
Hello JT,
We are so glad to hear you have had a good experience with Embrace! We aim to make the experience quick and easy, and it sounds like we hit our mark. Thank you for choosing Embrace!
Best regards,The Embrace Team
Reviewed Dec. 11, 2025
Great. No issues. Got it done in less than 5 minutes. Great experience and I feel safer for my new baby now Ty, usually I talk to people I cannot understand or I have to be on technology to get things done. I was able to call and get great service with a great fella and he helped this old lady do what I needed to do. God bless.
Hello Jasper M,
We're happy to hear that you had a positive experience with our representative and we sincerely appreciate you taking the time to leave us a review. Thank you for choosing Embrace to help keep your furry family member healthy and happy!
Best regards,The Embrace Team
Reviewed Dec. 8, 2025
Due to a life changing situation (very bad stroke, paralysed ever since July), I tried to cancel the policy and get a refund of the charges that had just been made. I reached out to customer service several times over the period of 2 weeks. They didn't cancel the policy and they will not refund the money (1699,91USD). Not only did they ever reply to any of my emails in the first place (I always had to follow up) and now they won't cancel nor refund the money. We are under absolute stress in this situation and the customer service is non existent, this company is disgusting. I do not recommend.
Hello Heike,
We were unable to locate an account under your name to view additional details, but please know we take your feedback seriously and we would like to resolve any questions or concerns you have regarding your policy. Please feel free to reach out to embracesocial@embracepetinsurance.com with your name and policy number and we're happy to provide further assistance.
Best regards,The Embrace Team
Reviewed Nov. 28, 2025
I bought this insurance after I rescued and adopted my Yorkie when she was only 1.5 years old. I paid for years. Only used it one time, not a big-ticket item. When she turned 11 years old, they raised the price to more than double. It was no longer affordable, so I had to cancel. If I had saved up the installments that I had paid for all of those years it would have been at least $9000 and she has been a very healthy dog. Not a satisfied customer. I even wrote a letter with no response.
Hello Dawn,
We understand that substantial premium increases are challenging, and we truly regret any disappointment you experienced with your policy. We know that as a customer of Embrace for multiple years, you experienced premium increases before and in light of that, some of this information may already be familiar to you, but Embrace evaluates our premium increases annually based on our entire book of business The main factors that impact premiums each year include the age of a pet, tenure of 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. We understand you already spoke with a representative, and a team member also followed up via phone in regard to your email, but was unable to reach you or leave a voicemail due to it being full. If you would like to discuss your concerns further, please feel free to reach out and we're here to help.
Best regards,The Embrace Team
Reviewed Nov. 28, 2025
I adopted a male shelter cat. All the medical records related to his care was given to me at the time of the adoption. There was no information available on who his previous owner was. Embrace only wants to deal with pedigreed animals with papers on their birth, and all medical records that follow. Embrace is setting up all people who think they can get pet insurance on strays or shelter pets. They will take your money, give you a policy; then claim they can not process your claim due to the lack of medical records on any pets that do not have prior medical records.
Embrace will string you on so that they will be able to obtain your money; knowing that any claim you submit will be denied. Embrace has been able to con me out of four months of premium payments, totaling $160. Your claim will also be denied if the veterinarian does not provide documentation for the claim. My advice for people who have limited incomes is to do the best you can at taking care of your pet. To take your pet to a vet in emergencies. Do not waste your money giving it to GREEDY insurance companies who do not have your pets or your best interest.
The only interest they have is taking your money and leaving you with nothing but a sour taste in your mouth of how they get away with taking advantage of people who have good intentions for their pets, but do not have 2 years of medical documentation on their pets, or are stray, or adopted animals. If you don't believe me, try and see for yourself. It's your money you're throwing away. This is a racket.
Hello RD Catman,
We are sincerely sorry to hear that your experience with our company has not met your expectations. We also 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. 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 either within the 12 months prior to the start date of the policy or within the first 14 days. 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). We strive to be as transparent as possible regarding the pre-policy exam requirement, and this condition of the policy is noted in the acknowledgements that have to be agreed to upon purchase and in our onboarding emails. We understand you've already spoken with a representative regarding your concerns, but if you have any other questions please feel free to reach out and we're here to help.
Best regards,The Embrace Team
Reviewed Nov. 21, 2025
Taylor my representative for Embrace was very knowledgeable, very patient, gave a great explanation of coverage available and was super friendly and cheerful. I had asked for a second time to get an explanation before purchasing what I needed and that answers back were clear and understandable. Embrace Insurance gives you options that fit your pocket book. And gave me the feeling that I was able to choose what I wanted and needed not forced into something and I am able to make changes at any time :) Love it.
Hello Y Vacal,
We sincerely appreciate your kind words! We strive to provide our customers with knowledgeable and helpful support, so we're pleased to hear you had a positive experience with our representative. Thank you for choosing Embrace to help keep your fur baby healthy and happy!
Best regards,The Embrace Team
Reviewed Nov. 20, 2025
Embrace did exactly what they said they would do, and coverage for my pet's claim was handled in a timely fashion. Customer service is very friendly and knowledgeable. They worked with me and answered all of my questions without hesitation. I would highly recommend Embrace.
Hello Clayton,
Thank you for the recommendation and for sharing that feedback! We strive to provide our customers with knowledgeable and helpful support, and we're pleased that our team has met your expectations!
Best regards,The Embrace Team
Reviewed Nov. 18, 2025
Embrace Pet Insurance offers excellent pet policies at reasonable prices. Claim invoices are accurate and easy to understand, and reimbursements are rapid. The care team is efficient and informative, and the representatives are compassionate, kind and knowledgeable. I submitted my first two claims and reimbursements were issued within a few days. It is a pleasure dealing with Embrase Pet Insurance Co.
Hello Elisa,
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 Nov. 16, 2025
I’m really sad to write this review. I’ve had Embrace for ten years with no issues and I even recommended them to others long before they had a referral program. As we approached the ten year mark, they started calling me nonstop. When I finally spoke with someone, they told me my premium was increasing to 4.5x what I had been paying. This was on top of the yearly increases they already apply. They were calling because they KNEW people would be pissed if that auto charge would have happened without letting people know.
This is the stage of my dog’s life when she needs coverage the most, and they raised the premium higher than what I pay for both my own and my son’s health insurance combined. It feels like they were trying to push long term customers out before any major vet bills come up. I am extremely disappointed and now my aging dog is left without coverage. It's all shady and typical for an insurance company. I now tell everyone to avoid Embrace and just save money is a pet savings account for the day you may need it.
Vinece, we understand your frustration and disappointment with the recent premium increase on your policy at renewal. We know that as a loyal customer of Embrace for many years, you have experienced premium increases before and in light of that, some of this information you may be familiar with. Embrace evaluates our premium increases annually based on our entire book of business focusing on several factors, including the age of the insured pet(s), the tenure of the policy and also factoring in 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.
To help offset larger increases we offer options to adjust your coverage, to help find coverage that still suits your needs and the needs of your pet, while also aiding in maintaining your budget. We understand that decisions regarding your beloved pet's coverage are difficult to navigate which is why our team is focusing on outreach in these instances to ensure each policyholder finds a customized solution to fit their needs.
Best regards,The Embrace Team
Reviewed Nov. 12, 2025
Embrace Pet Insurance provided a positive experience by offering comprehensive coverage options for my pet’s health needs. The claims process was straightforward and efficient, with quick reimbursements that made managing veterinary expenses easier. Their customer service was responsive and helpful, guiding me through policy details and ensuring my pet received the best possible care without financial stress. Overall, Embrace helped me feel confident in protecting my pet’s well-being.
Hello Smithsarahdttyw Sarahd,
We're thrilled to hear you've experienced helpful and prompt service from our Customer Care team and have been satisfied with the processing of your claims. We're truly grateful for your continued trust and appreciate you taking the time to share your experience!
Best regards,The Embrace Team
Reviewed Oct. 30, 2025
This is a big scam. I do recommend everyone interested in pet insurance to avoid. It is almost 4 months ago since I filed 7 claims, the staff keep saying we still wait for the provider reports. I had to get a copy of the provider reports to send them from my email to ensure they receive them. Though I got confirmation via their auto reply email for every report that they need to process my claims, they kept me waiting for months. After I started to fight with them over the phone for their requested report, they denied all of my claims for very funny reasons. I had to report the company to BBB to investigate and protect the customers. As a pet owner, I am not supposed to pay the vet. service provider though I have insurance coverage which charge me every month for these coverages. Save your money and pay it for your pet health service instead wasting your money and time with this insurance company!
Hello Adel,
We appreciate you sharing your experience with Embrace. We understand your concern in the determination that some conditions were found to be pre-existing and that you felt the timeframe that it took to make these determinations was not not up to your expectations.
While we strive to provide coverage as often as we are able, we are unable to provide coverage for anything diagnosed, symptomatic or observed prior to the start of the policy or through the waiting or exclusionary periods on the policy. We aim to review all claims and medical history submitted to us as accurately as possible and if you feel like anything submitted for your pet was reviewed incorrectly, we encourage you to reach out so that we can review further and address any questions present. If you have specific concerns, please feel free to email us at embracesocial@embracepetinsurance.com and we would be happy to assist as we are able.
Best Regards,The Embrace Team
Reviewed Oct. 29, 2025
Website down, app down. Was forced to call in and get transferred around to find out my claim status. This is my first claim with Embrace and so far, it's not going well. Customer service reps keep telling me I get priority service because I'm a USAA member but so far, I haven't seen it.
Hello Austen,
Due to the Microsoft outage, we experienced technical issues that affected MyEmbrace and our main website yesterday. We sincerely regret any inconvenience this caused! The first accident or illness related claim(s) submitted typically take longer to process as we work directly with your vet providers to gather any additional medical records needed and review your pet's complete medical history. Once the review is confirmed complete, your pending claim will be completed and we want to assure you that the claims process is much smoother moving forward. We see you recently spoke with a representative regarding your concerns, but if you have any other questions, please feel free to reach out and we're here to help.
Best regards,The Embrace Team
Reviewed Oct. 26, 2025
We've been with Embrace for 6 years and have never had any issues. We have recently added another cat to our home and we added him on to the policy. I spoke with them the other day to see what can do to save some money. My policies (ins and Wellness on both cats) went from $160.00 a month to $95.00 a month. The rep was very knowledgeable, listened to what I wanted and help me get what I wanted. I had recommended this insurance to many.
Hello Ka,
Thank you for the kind words and for sharing that feedback! We strive to provide our customers with knowledgeable and helpful support, and we're pleased that our representative has met your expectations!
Best regards,The Embrace Team
Reviewed Oct. 24, 2025
I just wrote a five star review a week ago, as I have had very good service with Embrace, up until now. My dog had surgery, claim was submitted, three submissions of medical records (all to same email address) later, they did a review. Three masses were removed, surgery was done due to one of the masses containing cancerous cells. Two were non-cancerous, but we did not do a needle biopsy on those so did now know that until the pathologist told us so. Mass removal, none of it covered, even though we knew at least one was potentially cancerous, none of the pathology was covered, even though we had to make sure they got it all, and none of the anesthesia was covered. Are they supposed to do surgery without anesthesia?
If they had bothered to really read the notes sent by the vet, they would know all of this. Oh and the $250 deposit that I put down prior to the surgery was closed, but I was told it would be reopened when the surgery was completed, so that is DENIED too. So my $1,700 bill became a $910.38 bill and somehow, even though my plan is 90% covered became a reimbursement of $458.79. Must be the new math. The way I see it, my 1795.96 claim, plus the $250 deposit should have been a $2,045.96, They should cover anesthesia, since we knew one was for sure cancerous, they should cover some of the pathology to determine we got it all and they should cover the removal of one mass.
Even if they only cover 1/3 of those charges since two were non-cancerous, that would be an additional $295.19, add the $250 deposit to the $910.38 they say is covered totals $1,455.57. My plan is 90%, so that would be $1,310.01 covered, not $458.79. It is really simple math, and if you read the vet notes, it is all there for them to see. Be cautious with this company. They were really good until they just stuck the knife in, big time.
Hello Betsey,
We sincerely regret any disappointment you experienced with the outcome of your claim. Any time you feel there was an incorrect assessment we welcome you to discuss your concerns with our team. We see you have reached out via email and a team member will follow up with you shortly to provide additional assistance.
Best regards,The Embrace Team
Reviewed Oct. 22, 2025
It is a scam, my cat just diagnosed with immune system condition, after 3 months I enrolled my cat. With this insurance, now they told me nothing won’t be covered because of that condition, and then what the insurance is for? They know they have to pay for blood work and more, but when they want your money they welcoming you, and charge you right away, don’t get Embrace pet Insurance, Please they just want your money.
Hello Ana,
We regret that your experience with our company did not meet your expectations. 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, but we are unable to provide coverage for pre-existing conditions. We see you've spoken with a team member who has provided additional details, but please feel free to reach out if you have any other questions and we're happy to assist as we are able.
Best regards,The Embrace Team
Reviewed Oct. 16, 2025
This insurance is a scam. They covered none of the accidental fall. Then anything can be considered preexisting. Cold blooded. Then they charged me to cancel. So I could not stop payment without my bank reissuing my credit card. They use every trick in the book.
Hello Angel,
I am sorry to hear of your disappointment with the ruling on your claim and the findings of pre-existing conditions within your pet's medical history. We strive to process claims consistently, and we are not able to provide coverage for claims pertaining to conditions that pre-exist the policy. I am sorry for the frustration this has caused you and your disappointment with our processes, and we will use this feedback as we continue to improve the Pet Parent experience at Embrace.
Best regards,The Embrace Team
Reviewed Oct. 14, 2025
Embrace is a total scam. I would give it negative stars if I could. You are better off saving the premium money for when your pet needs to see a vet. Despite having received my vet records for the 12-month pre-policy, Embrace is still withholding reimbursement for an emergency vet visit due to an insect bite 6 months ago. They are now requesting vet records from 4 years ago so they can keep hunting to try to find that pre-existing condition to get them out of reimbursing me. Beware.
Hello Melissa,
We regret any frustration you've experienced with the claims process. Although we try to process claims as quickly as possible, they can be delayed if we are missing any required documentation (medical records, a complete invoice, clear diagnosis or reason for the visit, etc.). We see one of our team members has provided additional details, but if you have any other questions, please feel free to reach out and we're happy to help!
Best regards,The Embrace Team
Reviewed Oct. 13, 2025
Embrace reviewed my dog’s vet records for pre-exclusions when I took out the initial policy. Yet when I need to submit a major claim they are insisting upon reviewing for exclusions again. This feels like a disingenuous attempt to deny a major claim.
Hello Darrell,
We regret any frustration you experienced with the claims process. Although we try to process claims as quickly as possible, they can be delayed if we are missing any required documentation (medical records, a complete invoice, clear diagnosis or reason for the visit, etc.). If you have any additional questions or concerns regarding your claim status, please feel free to reach out and we're happy to help!
Best regards,The Embrace Team
Reviewed Oct. 13, 2025
Michele was amazing, taking the time to explain everything to me. Huntington ** is in good hands with the coverage for both accident and wellness. The additional medication will be a well used product as some medication for pets cost as much as humans.
Hello Kath thi,
Thank you for the kind words! We're glad our representative met your expectations and we appreciate you taking the time to leave us a positive review!
Best regards,The Embrace Team
Reviewed Oct. 13, 2025
I've had Embrace for multiple pets now and I love how easy they've made their claim process and how affordable it is. Especially in the long run. This eases my mind when it comes to making sure my pets can receive great annual care but also emergency services.
Hello Humberto,
We are continuously striving to make the claims submission process as user-friendly as possible, so we're very happy to hear you've had a positive experience! We also appreciate you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed Oct. 10, 2025
I just had the MOST amazing experience with their representative named Hannah!! She is the MOST enthusiastic and knowledgeable sales rep I have ever spoken to (I am 80 years old) and have been in real estate sales for 40 years. She listens and found the best plan for me. She made great suggestions, also. I felt as if I had my best friend helping me!
Hello Celia,
We’re happy to hear that your experience with Hannah was satisfactory and that their enthusiasm and 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 your furry family member healthy and happy!
Best regards,The Embrace Team
Reviewed Oct. 9, 2025
Be very careful with this company. They have done nothing but deny claims and make me and my vet jump through hoops because they nit-pick EVERYTHING. They are very sketchy when it comes to approving claims and precerts.
Hello Mark,
We regret that your experience with our company did not meet your expectations. 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, but we are unable to provide coverage for pre-existing conditions. We see you've spoken with a team member who has provided additional details, but please feel free to reach out if you have any other questions or concerns and we're happy to assist you further.
Best regards,The Embrace Team
Reviewed Oct. 7, 2025
I called Embrace pet insurance today on 10/7/2025 and I had the best experience speaking with Spoke with Morgan today, 5 star customer service representative. Great insurance coverage too. If you're looking for insurance for your pet, look no further.
Hello Joe,
We sincerely 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 Oct. 3, 2025
I don't love insurance. You cannot see anything. It's just knowing it is there. I give 5 stars here because of the customer service. Embrace is good at choosing good workers who really provide support to pet owners. Since my dog was scratchy before we got insurance, her main issue is not covered by insurance. But I guess we are lucky that we have not had the kind of catastrophic issues that would trigger coverage. She is seven now. Still deciding if I like pet insurance.
Hello AE Smiles,
We're glad to hear you were happy with our customer service and we sincerely appreciate you taking the time to share that feedback. 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 choosing Embrace to help keep your dog healthy and happy!
Best regards,The Embrace Team
Reviewed Oct. 3, 2025
I decided to cancel my policy because my claims for my dog were denied under IVDD, even though she had no pre-existing conditions. A board-certified specialist evaluated her case and provided a final diagnosis that her herniated disc was caused by trauma, not IVDD. Despite this, my claim was denied based on the MRI report noting “disc degeneration,” and the adjuster stated that “since disc degeneration is part of intervertebral disc disease,” it would not be covered.
What was most disappointing is that the claims decision disregarded the specialist’s medical expertise and applied a blanket assumption that all disc degeneration equals IVDD. Herniated discs are not always the result of IVDD—trauma or injury can also cause disc damage and degeneration. As my specialist explained, the term “disc degeneration” is often used broadly and interchangeably, but not all cases fall under IVDD unless specifically identified as the root cause. In my pets case, the specialist made it clear her condition was trauma-related rather than IVDD.
I’ve had Embrace policies in the past for two of my Bostons and always had positive experiences, which makes this outcome especially disheartening. I truly believe having an on-staff veterinarian involved in claim reviews would help ensure accurate medical context is applied. That way, cases like mine would not be denied based on generalized terminology rather than the actual medical cause. While in the past I would’ve recommended Embrace, I now wouldn’t after this experience and would definitely weigh your options for pet insurance.
Hello Mairym,
We are sorry to hear that your claims did not turn out the way you anticipated. We strive to be as transparent as possible about our coverage regarding the exclusion of pre-existing conditions, which are defined as anything noted as symptomatic or diagnosed prior to the start of the policy and through the initial waiting or exclusionary periods. Pre-existing conditions are determined directly from the notes provided to us from your veterinarian. This policy ensures that pre-existing conditions are accurately assessed and helps us provide fair and consistent coverage for all policyholders. We see our team has provided more details, 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 Oct. 2, 2025
This pet insurance company, Embrace PET Insurance, has been very easy to work with in all respects. I especially appreciate that their representatives are cordial & very helpful, & that all claims have been paid promptly. My cat & I are very satisfied users!
Hello Lark,
We're happy to hear you've experienced helpful and friendly service from our team. We're committed to providing exceptional service and coverage for our policyholders, so we sincerely appreciate your kind words and you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed Oct. 1, 2025
I am impressed with this company. Everyone seems truly concerned and caring. All Representatives are thorough and each representative has made sure I am comfortable and understand exactly what I am doing. In a world of chaos and confusing, but is certainly nice to speak with someone who really cares about their client. I can't thank Embrace enough for the way I have been treated.
Hello Jane,
Thank you for sharing that feedback! We strive to provide excellent customer service and are happy to hear you've had a positive experience with our team!
Best regards,The Embrace Team
Reviewed Oct. 1, 2025
Under no circumstances trust this company with your pet's health. We signed up for this insurance when we adopted new puppies. After a spay went wrong, our dog was bleeding out in the ER. Embrace sells itself on being an entity who will pay the provider directly. Spoiler alert--they don't provide that number to even call them to make arrangements, so everything was out of pocket. We made the claim in August and we've yet to be reimbursed. (There was a delay because we had to provide the info from the pet hospital where our dog had the spay, as it was covered by the rescue, even though the pet hospital provided this info when first requested.)
We've been following up diligently and it's almost two months later. Derek **, the customer service agent who'd been helping us, stopped replying to our emails. Our claim is in limbo and no one at Embrace seems to care. I also copied Rachel **, director of claims, on my last email. Fortunately, our dog is fine, but in no way, shape, or form thanks to any of Embrace's effort. If you like an insurance company that will drag out a large reimbursement endlessly, Embrace is for you. Otherwise, you're far better off with Nationwide or PawProtect.
Hello Jen,
We understand your experience with our company has not met your expectations. A team member has followed up with you via email to further address your concerns. 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 Sept. 24, 2025
Had a really bad first call with one of their customer service reps after waiting on hold for an inordinate amount of time. Will now be cancelling the policy. Also, please look at their Facebook page to see all of their long-term customers' complaints about their recent behavior and denial of claims and huge increases in premiums. Once I got the policy to review, it had way too many exceptions and things like when adding a pet, no matter when you add the pet, the deductible for the new pet will apply to that pet over the shorter time frame. What? That is ridiculous. Each pet should have its own policy. Really bad company. Would not recommend.
Hello Mary,
We sincerely regret that your recent experience did not meet your expectations. We were unable to locate your account to view additional details, but please feel free to reach out to embracesocial@embracepetinsurance.com with your full name and policy number and we're happy to address your concerns further. Our goal is always to support our policyholders and their pets, so we appreciate your feedback and will use it to continuously improve our services.
Best regards,The Embrace Team
Reviewed Sept. 17, 2025
I found Embrace through USAA. They are the best insurance carrier I have ever had! From the initial application and pet evaluation to my recent premium increase, where the agent Yanelly found me a better coverage for my pet’s needs at a lower cost, amazing! Their claim process is quick and easy, I can complete and submit my claim while at a stoplight; that’s how quick! And, I always receive my reimbursement within 2-3 business days. All of the representatives I have spoke with, have been polite, personable, and provided the information and direction I needed to better understand my policy and future premium decisions. It really is the best insurance experience I have ever had! Thank you!
Hello Tara,
Thank you so much for taking the time to share that feedback! We're proud to be partnered with USAA and strive to provide the best service for you and your fur babies, so we're glad our team has met your expectations. We sincerely appreciate your kind words and are thrilled to hear you've had such a positive experience with your policy!
Best regards,The Embrace Team
Reviewed Sept. 16, 2025
So I’m a first time pet owner (Rico, 8yrs old), first time getting insurance on a pet and the customer service representative that took my call (Ms. **) set the bar so high for me!! I felt like I was asking dumb questions because I never did this before but she answered everything so professionally and explained it to where I could understand! I’m glad I went with Embrace for pet insurance!!!
Hello Carlo,
We sincerely appreciate your kind words! We strive to provide our customers with knowledgeable and helpful support, so we're pleased to hear you had a positive experience with our representative. We understand there is a lot of information to go over, especially as a new policyholder, so please do not hesitate to reach out if you ever 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 your fur baby healthy and happy!
Best regards,The Embrace Team
Reviewed Sept. 13, 2025
Would like to try your services but can't get a quote. Website Quote tab goes nowhere and phone number plays Regency era piano music for way longer than I was willing to hold. Option for a call back might be nice.
Hello Lin Der,
We regret any issues you experienced trying to obtain a quote. Please feel free to reach out to embracesocial@embracepetinsurance.com with your full name and preferred contact method and one of our Pet Insurance Advisors will be happy to assist you further!
Best regards,The Embrace Team
Reviewed Sept. 8, 2025
Does NOT cover annual exams, spay/neuter unless you buy ANOTHER policy at 60 a month more. Website is a nightmare: error, try later, can't process at this time, cannot load invoice, etc. Try phone, on hold 15 min until you give up. Not worth the hassle at all.
Hello MrBoomking,
We're sorry to hear your claim did not turn out the way you anticipated. We strive to be upfront about our coverage and the exclusion of routine/preventative care under the accident and illness insurance policy. We understand preventative care is important too, which is why we also have our optional Wellness Rewards plan which reimburses for routine and preventative care so that each pet parent can customize their policy to better fit their needs. We see you were in contact with one of our representatives regarding your concerns, and we appreciate you sharing this feedback as we are always looking for ways to improve our services. 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
Reviewed Sept. 8, 2025
Embrace sucks you in with low rates for the first year or two. Then as your pet gets older and really needs the coverage they increase premium prices on the policy so much that you actually end up paying more for the policy than for the costs it is supposed to cover. I will never use Embrace again nor will I recommend it to anyone who cares about their pet. I have reported their deception to my vet’s office which no longer recommends it and I will be reviewing on every site that I can. You are better off applying for Care Credit which offers financing over several months if you make minimum (affordable) monthly payments. There is something wrong with an insurance policy that costs more per year than a year of cancer treatment costs for my dog with bone cancer. BUYER BEWARE!!!
Hello Helene,
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 the main factors that impact premiums each year include the age of a pet, tenure of 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.
However, we do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. Our goal is to work closely with each policyholder to explore personalized solutions and adjust coverage as needed to support you during this time. We see you've already spoken with a representative and we are sad to see you go, but we understand you must do what you feel is best for you and your pet. If you have any additional questions or concerns or would like to explore those options further, please feel free to reach out and we're happy to assist you. Our goal is always to support our policyholders and their pets, so we appreciate your feedback and will use it to continuously improve our services.
Best regards,The Embrace Team
Reviewed Aug. 27, 2025
I have been with Embrace Pet Insurance for 7 years. This year when it was time to renew my policy they raised my premium nearly 100 percent. Doubled it. My pet is 8 years old and knock on wood never been sick. I have never used my insurance. After I said I was canceling my policy they reduced my premium down to what it was before. I don't know about you but I choose to not do business with a company that conducts business like that. There are more affordable options out there. Do your homework. Every year my rates go up significantly.
Hello Debbie,
We sincerely regret any frustration you experienced with the recent premium increase on your policy at renewal. We know that as a loyal customer of Embrace for multiple years, you have experienced premium increases before and in light of that, some of this information may already be familiar to you, but Embrace evaluates our premium increases annually based on our entire book of business. Our data team focuses on several factors, including the age of the insured pet, the tenure of 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.
To help offset larger increases we offer options to adjust your coverage, to help find coverage that still suits your needs and the needs of your pet, while also aiding in maintaining your budget. We understand you went over these options with one of our representatives and have already canceled, but if you have any additional questions or would like to review these options further, please feel free to reach out and we're happy to assist you.
Best regards,The Embrace Team
Reviewed Aug. 13, 2025
Just starting out with this company, already happy with the differences from my recent pet insurance. Staff on the phone was very knowledgeable, friendly. Explained coverages thoroughly. Excited to be paying less for the same things I had before, plus some. :-)
Hello Tara,
We're happy to hear you experienced friendly and knowledgeable service from our team and we sincerely appreciate you taking the time to share that feedback! 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 choosing Embrace to help keep your fur baby healthy and happy!
Best regards,The Embrace Team
Reviewed Aug. 13, 2025
I am not used to an insurance company as transparent as this one. They are very clear about their terms and there is no hidden silver linings with them. They are staffed with some of the most friendliest people I’ve spoken to! 10/10 for this company. My pets love you and I will recommend you guys to any pet owners in need of insurance!
Hello Jordan,
We're happy to hear you experienced friendly service from our team. We're committed to providing exceptional service and coverage for our policyholders, so we sincerely appreciate your kind words, your recommendation, and you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed Aug. 8, 2025
Exceeded all expectations in customer service, knowledge and willing to go the extra mile to make sure information was clear. I asked numerous questions and he consistently remained calm and patient. If only all customer representatives could do this.
Hello Linda,
Thank you for the kind words and for sharing that feedback! We strive to provide our customers with knowledgeable and helpful support, and we're pleased that our representative met your expectations!
Best regards,The Embrace Team
Reviewed Aug. 7, 2025
It started out great at signup and having my vet submit medical records. When I filed claims it was hassle free and fast. Last week I submitted a claim for wellness rewards and it took almost 1 week to get final approval that should’ve been very quick and easy, but I had to call and they told me they need an invoice which was submitted and they missed it… No problem, but still took 2 days after that with a nice message stating not all items are covered on the invoice. I explicitly explained in the claim what it was for and they requested the invoice that had other items. Normally it’s processed next day without issues.
Something that isn’t sitting well with me is I got pet insurance 1/12/25 and end of June my 2 year old girl started limping so I took her in to get checked. They took X-rays and determined she had CCL tear in both legs. I was devastated and filed a claim, but it was denied because I was 2 weeks out from the 6 month waiting period…just my luck lol. Very unfortunate, but when I asked for any type of assistance I was quickly told, "No we don’t do that," and I can understand. I then asked about her office visit or X-rays? They informed that because it’s for something that isn’t covered so, "We don’t pay for the office visit, medications or anything to do with the CCL because it happed during the 6 month waiting period (2 weeks from ending)". I understand if they don’t give any grace for the waiting period, but not to cover any of the office visit because she was diagnosed with CCL tear during waiting period just has me considering looking for other alternatives.
Hello Russell,
Waiting or exclusionary periods for pet insurance exist to prevent fraud and are required for all newly enrolling pets or new pets being added to an existing policy. They vary depending on the type of coverage and the laws in your specific state, but 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 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 understand that this situation has been frustrating, and we sincerely regret any disappointment you've experienced with the outcome of your claim. Our goal is always to support our policyholders and their pets, so if you have any additional questions or concerns, please feel free to reach out and we're happy to assist you further.
Best regards,The Embrace Team
Reviewed July 30, 2025
Helpful and Friendly. She loves dogs as I do. Amy understood what I needed help with. She resolved the problem., I call to cancel plan due to my husband medical, and Amy keep me with some coverage for dogs.
Hello Norma,
We're happy to hear you experienced helpful and friendly service from our representative. We're committed to providing exceptional service and coverage for our policyholders, so we sincerely appreciate your kind words and you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed July 26, 2025
I called to cancel my baby’s insurance because I was quoted a better price from another company. Jaclyn recalculated some numbers and got the price down considerably almost to the figure I was quoted from the other company. She is definitely an asset to your company. Your company is fantastic.
Hello Linda,
We sincerely appreciate your kind words about our representative and we're happy to hear Jaclyn was able to assist you. Thank you for taking the time to share your positive experience!
Best regards,The Embrace Team
Reviewed July 25, 2025
I called to cancel the insurance because of the accident. I will forward the bill. It is a few days after he passed on that I cancelled the insurance. We went to the 24 hour emergency vet. His neck was severed by the other dog. Bill is $1000 dollars. Bill will be forwarded to you shortly.
Hello Silvia,
We are so sorry for the loss of your beloved dog! Our fur babies hold such an important place in our hearts and we know saying goodbye is never easy. Please know we are sending well wishes to you and we sincerely appreciate you taking the time to share your experience and leave us a positive review.
Best regards,The Embrace Team
Reviewed July 25, 2025
I've sadly decided to cancel my policy. A once fair premium has turned into another typical insurance scam. Raising prices to $110/mo even though I've never submitted a claim after 4 years. At that rate, what's the point?
Hello Bryanne,
We understand a premium increase is never ideal and we regret any disappointment you've experienced with your policy. We know that as a customer of Embrace for several 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 evaluates our premium increases annually based on our entire book of business. Our data team focuses on several factors, including the age of the insured pet, the tenure of 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.
However, we do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. We see you already spoke with a representative and we are sad to see you go, but we understand you must do what you feel is best for you and your pet. Our goal is to work closely with each policyholder to explore personalized solutions and adjust coverage as needed to support you during this time, so if you would like to explore these options further or have any additional questions or concerns, please feel free to reach out and we're happy to assist you.
Best regards,The Embrace Team
Reviewed July 25, 2025
LONG waiting times on the phone. My premium went up 50% and my first year claims were just $673.18. Minus my deductible. My claims to Embrace was a total of $423.18 for the entire YEAR! I was rewarded with a rise of $50%. I have no reason to recommend Embrace to anyone. It is always an unpleasant experience.
Hello Michelle,
We understand that you may occasionally experience delays in reaching us by phone due to high call volumes and we’re sorry for any inconvenience that may cause. Please know that we are continuously working on ways to minimize hold times and we appreciate your patience as we assist each pet parent with care.
We also understand that premium increases are challenging, and we sincerely regret any disappointment you've experienced with your policy. The premium increase is based on our entire book of business (the overall actuarial data) based on the pet details (age, breed, sex,) and the location where you reside. The main factors that impact premiums each year include the age of a pet, tenure of the policy, and inflation. 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 are committed to providing consistent coverage for pets throughout their life, and 92% of the claims we receive qualify for coverage. While we need to adjust our prices as pets age due to higher health risks, we strive to keep our increases as reasonable as possible while achieving our ultimate goal, which is to provide comprehensive coverage and continue to pay out claims at the level we do. However, we do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation.
Our goal is to work closely with each policyholder to explore personalized solutions and adjust coverage as needed to support you during this time, so if you have any additional questions or concerns or would like to explore those options further, please feel free to reach out and we're happy to assist you.
Best regards,The Embrace Team
Reviewed July 24, 2025
I’m writing to express my frustration and disappointment regarding the recent increase in my pet insurance premium. A 120% increase is absolutely outrageous and unjustifiable. There have been no significant claims or changes to my pet’s health that would warrant such a dramatic hike. This kind of price gouging feels exploitative, especially for responsible pet owners who rely on insurance for peace of mind and protection. I do not accept this outrageous increase.
Hello Dinah,
We understand that premium increases are challenging, and we sincerely regret any disappointment you've experienced with your policy. Embrace evaluates our premium increases annually based on our entire book of business. Our data team focuses on several factors, including the age of the insured pet, the tenure of 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.
We do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. We see you've already spoken with a representative regarding this, and our goal is to work closely with each policyholder to explore personalized solutions and adjust coverage as needed to support you during this time. If you would like to explore these options further or have any additional questions or concerns, please feel free to reach out and we're happy to assist you.
Best regards,The Embrace Team
Reviewed July 24, 2025
Disappointed After 16 Years – Outrageous Premium Hike. I’ve been a loyal Embrace Pet Insurance customer for 16 years, insuring six different animals through them. Over that time, I rarely used the insurance, but I paid consistently, trusting they’d be there when I needed them. That trust is now completely broken. Out of nowhere, they’ve raised my monthly premium from $237.46 to $478.99. That’s more than double. Their only suggestion? Lower the coverage on my 16-year-old cats. Seriously? After all these years of loyalty and minimal claims, this is how they treat longtime customers?
I’ve never experienced anything like this before, even with pets that have aged or passed. It feels so dishonest, and it’s unacceptable. I’m pulling my remaining pet, Shiloh, off their policy immediately. I refuse to go through this again as he gets older. I’ll be switching providers and removing any positive reviews I’ve left in the past. If you’re considering Embrace, think twice. If anyone has recommendations for a pet insurance company that doesn’t do this, please share. I’m done with Embrace.
Hello Marilyn,
We understand a premium increase is never ideal and we sincerely regret any disappointment you've experienced with your policy. We know that as a customer of Embrace for many 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 evaluates our premium increases annually based on our entire book of business. Our data team focuses on several factors, including the age of the insured pet, the tenure of 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.
We do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. We see you've already spoken with a representative regarding this, and our goal is to work closely with each policyholder to explore personalized solutions and adjust coverage as needed to support you during this time. If you would like to explore these options further or have any additional questions or concerns, please feel free to reach out and we're happy to assist you.
Best regards,The Embrace Team
Reviewed July 22, 2025
I have 2 pets covered by Embrace Health Insurance and it seems like no matter what the issue is, they find a reason not to pay. I never had problems like this with my previous pet insurance company. For example, my dog injured her knee from wear and tear over time because she's extremely active and when she developed a limp, I took her into the vet. Embrace refused to pay claiming it is a skeletal disorder, which is not covered during the 6-month waiting period. When I pointed out this an injury, not a widespread disorder, I was told I need to specify a specific incident/accident that caused the injury if I expected them to pay. It has been a rinse repeat for virtually every claim I turn in for both dogs. I highly recommend you look elsewhere if you want to get your money's worth.
Hello Elli,
We regret any disappointment you experienced with the outcome of your claims. We want to assure you that we are committed to providing consistent coverage for pets throughout their life, and 92% of the claims received qualify for coverage, but unfortunately we're not able to provide coverage for pre-existing conditions. Pre-existing conditions are defined as anything diagnosed or symptomatic prior to starting the policy and through the initial waiting and exclusionary periods. We see you have been corresponding with our claims team and if you have any additional questions, please feel free to reach out and we're happy to help. Our goal is always to support our policyholders and their pets, so we appreciate your feedback and will use it to continuously improve our services.
Best regards,The Embrace Team
Reviewed July 22, 2025
Lani at Embrace definitely delivered Exceptional Customer Care and you just don’t find that in the marketplace today. Lani listened to my question and gave an informative answer concerning coverage. Embrace has always been my insurance company and I highly recommend it to everyone. When I first checked other insurance companies and companies I found them lacking and unresponsive to the customer.
Hello Gary,
We strive to provide exceptional customer service, so we're pleased to hear Lani met your expectations! We sincerely appreciate your kind words, your recommendation, and you taking the time to share your feedback with us!
Best regards,The Embrace Team
Reviewed July 22, 2025
He was helpful and polite and resolved everything for me. He appeared very knowledgeable and resolved my issue within the App. He was courteous, respectful polite knowledgeable and very patient. He was just excellent excellent excellent and excellent!!!! He was helpful polite and knowledgeable. Courteous, kind and patient. He must be commended and rated an A+.
Hello Audrey,
Thank you for the kind words and for sharing that feedback! We strive to provide our customers with knowledgeable and helpful support, and we're pleased that our representative has met your expectations!
Best regards,The Embrace Team
Reviewed July 22, 2025
I'm a disabled veteran that only used Embrace because USAA endorses it. These people refused to process the claim to put my service dog to rest. It was her 3rd claim ever. This company gladly took tens of thousands of dollars from me over years with no claims then refused to acknowledge or even process the 3rd and final claim that would have resulted in a few hundred bucks of reimbursement. I would never in a million years send another dime to this company.
Hello Paul,
First and foremost, we want to express our sincere condolences for the passing of your beloved dog. We understand this has been a very challenging time, and we regret any disappointment you experienced with your policy. Your two claims we received were covered and have been completed. We see you recently submitted another claim and it is in the process of being set up for review. We provide claim status updates via email and through your MyEmbrace customer account, and you will also receive a separate confirmation email once it has been completed. If there is anything else we can assist you with, please do not hesitate to reach out. Please also know we are sending well wishes to you during this difficult time.
Best regards,The Embrace Team
Reviewed July 14, 2025
With Embrace Pet Insurance, our Wally is covered for any event. Their support staff have excellent communication skills, they are friendly and helpful. We highly recommend them to prevent extremely high veterinary bills.
Hello Dirk,
We're happy to hear you've experienced friendly and helpful service from our team. We sincerely appreciate your kind words, your recommendation, and you taking the time to leave that feedback!
Best regards,The Embrace Team
Reviewed July 14, 2025
After checking the insurance rates with other companies, I have found that they are all very similar in costs and coverages. I decided on Embrace because of the very high rating and the website was one that made it easy to navigate and understand. All my claims have been very easy to file and Embrace has always paid their share quickly. The web site is very intuitive especially for me considering I'm a senior citizen. The explanation of benefits I have access to through their website is easy to understand and when contacting their customer service to ask a question, the service is always friendly and extremely helpful.
Hello Steve,
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 July 11, 2025
Gary was extremely professional. He was patient w my questions. I like the plan's benefits as well. I like how they break down a condition as curable or incurable so eligibility is not compromised to buy a plan.
Hello Paula,
We're happy to hear you experienced professional service from 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 again 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 July 9, 2025
All the workers here in Embrace are extremely professional and very comforting. Stone did amazing with making sure what policies there were for my puppy’s needs. He made sure to give me the listing and pricing for them. I made sure to get the best for my puppy. Super happy that I was recommended to check this insurance.
Thank you for sharing your experience! We are glad to hear Stone made you feel supported and helped get your new furry friend enrolled. Thank you for choosing Embrace!
Best regards,
The Embrace Team
Reviewed July 8, 2025
I’ve been with Embrace for years. My renewal in 2023 was excessive and excessive again in 2024. I raised my deductible and copayment to get it down to $449 that I still felt excessive but I managed to pay it. I just got my 2025 renewal. $757.49!! Nothings changed except my healthy dogs are a year older. Embrace gave me a lot of hoops about increased vet costs (around 10% a year), dogs age, breed, location?
I did some checking and found out Embrace was bought in 2023 for $1.5 billion dollars by a $70 billion dollar holding company in Germany, JAB holdings. JAB owns and manages 21 pet insurance companies. All of the main pet insurance companies. It’s a huge monopoly and they’re all charging unreasonable renewals. I’m getting a lawyer. I’ve paid a lot of money for pet insurance over the years to have security if something major happens. Now they’re pricing me out of insurance just as my dogs mature.
I can’t think of any reason they’d jack my price so high unless JAB is just greedy. My dogs are healthy. I can’t afford it and Embrace is part of a monopoly since 2023 that’s manipulating prices. I'm very upset. I’m going to put the $449 a month in savings for my dogs and pay their health care as needed. I’m not going to pay almost $10,000 a year for security against illnesses they may never get. I should have dropped embrace and started savings as soon as they increased me to $449. It would have cost less in the long run.
Reviewed July 8, 2025
Tyler was very compassionate when I reported the passing of my beloved Elton John. He did not rush me as I am struggling to make the most basic of decisions. Thank you for your empathy!! He was very helpful and kind and offered words of encouragement. It is refreshing to see a company who is not strictly about the bottom line.
Thank you for taking the time to let us know about Tyler's service! We are glad to hear that he helped to make a difficult call easier and help guide you through the steps. Thank you for trusting Embrace!
Best regards,
The Embrace Team
Reviewed July 7, 2025
My granddaughter and I are adopting a female cat from the Humane Society on Thursday. Since our choice is a kitten we needed some coverage for accidents and illnesses that may occur. I feel that Embrace has the most coverage for my money. Clear explanation of coverage at a price we could afford. You also can add coverage as your pet ages.
Congrats on the new adoption, and thank you for choosing Embrace. We are glad to hear you are satisfied with your coverage!
Best regards,
The Embrace Team
Reviewed July 7, 2025
Having Embrace insurance means I can make healthcare choices that lead to better outcomes. Embrace has been fair, professional, and processes claims quickly. I don't have a complaint since 2007. They have insured eight pets for me over the years. I can't say enough good things about them. I can't imagine not having this insurance.
Marla,
Thank you for your positive review of Embrace. We are thrilled to hear that you have had a satisfactory experience during your many years of loyalty to Embrace. We are glad we have been able to provide you with a high level of service throughout your time as a policyholder and take pride in that we have been of assistance to you in providing your beloved furry family members the best care possible in order to help keep them healthy and happy. Thank you for choosing Embrace!
Best regards,The Embrace Team
Reviewed June 30, 2025
They're great if your pet isn't critical. But when your pet is in the hospital and you don't know if his claim will be considered an accident or an Illness (he hadn't passed his illness waiting period yet), you start having to ask hard questions about what you can afford. You drop $2,000 on the first battery of tests, hoping to get a clear answer on if this is something chronic or an accident. You're honestly hoping for a bowel obstruction, because while that may be one of the worst case scenarios, that's a clear accident You know will be covered. You answer a call at 3:30 AM, asking you to pay another $4,000 for more tests. They didn't find a bowel obstruction but his fever is still dangerously high. You have to consider, while half awake and worried for your poor sweet boy, if you can afford that if insurance denies the claim, or if you'll have to euthanize your beloved pet because you can't afford it and just don't know if it'll be covered.
If you're in this situation, you'll get no timely help from this company. First of all, there's no after hours emergency line for critical claims questions like mine. I bit the bullet and paid $3,000 before I ever got to speak to Embrace. When their phones were back online, I called to try to expedite the claim process. I still didn't have answers and didn't know how much more in diagnostics would be required. The people I've had on the phone have been amazing but I've never been able to speak directly to a claims rep. The people I spoke to understood the urgency and told me they'd try to at least get an answer on if the claim would be considered a pre-existing illness or an accident. They couldn't promise me an answer that day though.
Now, 4 days later I still have no answer. And every time I speak to someone they all seem to have no IDEA what my previous conversations entailed or what I was asking for. No wonder the claims department doesn't find it urgent... Thank God my dog is stable, but if he wasn't, and if I was asked to pay another $1,000 on top of what I've already paid... I'd probably have to euthanize him. And how heartbreaking would it be to find out later, after he's dead and gone, that his claim IS covered?
The bottom line is I know I can spend around $2000 on critical care for my pets. I stretched it to $3000 this time given the uncertainty of the claim. If Embrace is going to cover their care, then I know I can spend $21,000 (including $1000 deductible) and get reimbursed $18,000 (I'm on the 90% plan). But if they don't cover it, anything over my $2,000 limit is financially crippling for me and my family. Why don't they have a "CRITICAL" rushed claims process?? Why don't they have an after hours emergency team?? People get pet insurance to plan for the things that can't be planned for like this. I just don't understand how my claim is STILL pending.
As far as the things you can plan for, I'd rate them 5 stars if that were the only consideration. I knew in advance the surgeries for my cat's knees would be covered. I was able to submit quotes for pre-approval and after the surgery wait the 5-7 days for the claim to be reviewed and the money to hit my account. That's all fine and dandy. Based on that experience I was hoping to be much more impressed by their handling of critical care claims but here we are. (Included is a photo of my sweet guy as we wait at vet #2 to do more affordable diagnostics. Still wasn't sure if he'd make it at that point. His fever was 104°F.)
Hello Katelyn,
A team member has responded to your recent correspondence to further address your concerns. Please feel free to reach out if you have any further questions and we are happy to assist as we are able!
Best regards,The Embrace Team
Reviewed June 27, 2025
They do whatever is possible NOT TO PAY your valid claim. Worst experience ever. Claims are delayed and not paid. They jerk you around, ask for inane additional information and try to pin everything on an existing condition.
Hello Steven,
We sincerely regret any disappointment you've experienced with your policy and we want to assure you that we are committed to providing consistent coverage for pets throughout their life, and 92% of the claims received qualify for coverage. Although we try to process claims as quickly as possible, they can be delayed if we are missing any required documentation (medical records, a complete invoice, clear diagnosis or reason for the visit, etc.). We see you already spoke with a representative regarding your concerns, but if you have any additional questions regarding your claims, please feel free to reach out and we're happy to assist you further. Our goal is always to support our policyholders and their pets, so we appreciate your feedback and will use it to continuously improve our services.
Best regards,The Embrace Team
Reviewed June 24, 2025
I got Embrace Pet Insurance to protect my dog. I paid the premium on time for a couple years then when my dog was injured I paid the vet for X-rays and then put in a claim. They just made excuses and asked for more documents which the vet gave them. They contacted an old vet that told them about a old dog that's now in Utah with my ex-wife. They just made me feel like a criminal for trying to protect my dog with insurance and actually trying to use it. I would put your money in a account for your dog before giving it to a company that will do everything to get out of paying. Then to top it off they raised my rate. Yes I canceled.
Hello Trey,
We regret any disappointment you've experienced regarding your claims. When the first accident or illness related claim is submitted, our claims team works directly with your vet providers to gather any additional medical records needed and review your pet's complete medical history. We look for the detailed chart notes from any exams/visits that occurred within the 12 months prior to the original start date of the policy and through the initial waiting/exclusionary periods - this is standard procedure and the parameter we set for any pet to make sure there was a sufficient pre-policy exam done and so that we receive the required records. If we are missing anything, we 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 MyEmbrace account. You can view more information here: http://help.embracepetinsurance.com/en/articles/4467726-how-long-does-it-take-for-embrace-to-process-claims-and-what-are-the-claim-statuses. Once the Medical History Review is confirmed complete, your pending claims will move forward for processing. We see you already spoke with a representative regarding your concerns and we are sad to see you go, but understand you must do what you feel is best for you and your dog. If you have any additional questions regarding your claims, please feel free to reach out and we're happy to assist you further. Our goal is always to support our policyholders and their pets, so we appreciate your feedback and will use it to continuously improve our services.
Best regards,The Embrace Team
Reviewed June 20, 2025
Embrace has consistently delivered excellent service for almost 11 years since we received Mortie from the breeder. They are the best. Claims are handled promptly, and when there is a question, they are proactive. They communicate with us or if we are unable to answer their question, they contact our vet directly. MPAP. Embrace is the best!
Hello David,
We're happy to hear that you've had such positive experiences with our Customer Care team and claims processing over the years! We sincerely appreciate your kind words and we're grateful for continued trust. Thank you for taking the time to share that feedback!
Best regards,The Embrace Team
Reviewed June 17, 2025
EMBRACE was a Rock Star, when my two Giant Schnoodle puppies thought it was fun to eat rocks!!! Yes, one of my sweet Rock Hounds had to have expensive surgery twice, and the other required an emergency room visit with special care and medication. Those were exorbitant costs, and I was extremely grateful to have purchased EMBRACE insurance! They were awesome in processing claims and issuing payments promptly. They are there, when the unexpected happens. Thank you EMBRACE!
Hello Barbara,
We appreciate you taking the time to share that feedback! We're thrilled to hear the policy was there to help during your time of need and that the claims process went smoothly for you. Thank you for choosing Embrace to help keep your fur babies healthy and happy!
Best regards,The Embrace Team
Reviewed June 6, 2025
I've been a client of Embrace for over 15 years with many pets. I was very happy with the service but today I had to cancel my policy today because they increased my premium from $81.00/month last year to $332.50/month for this year. Who does that? At a time when you may need insurance the most for an older cat to raise the price by 70%. The worst of it is that the "customer service" person was so out of touch and did not offer any solution that made any sense and was more than willing to cancel my policy. Do not spend 15 years paying monthly when at the end of the day they raise the premiums to make it unaffordable. DO NOT USE THIS SCAM OF A COMPANY.
Hello Dana,
We sincerely regret any disappointment you've experienced with your policy. We understand that substantial premium increases are challenging, and they are impacting the industry as a whole. Our premiums are based on actuarial data of all the policies we have in force, and the main factors that impact premiums each year include the age of the pet, tenure of the policy (how long the pet has been insured), and inflation which includes the increase in veterinary costs. However, we do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. Our goal is to work closely with each policyholder to explore personalized solutions and adjust coverage as needed to support you during this time. We see you already spoke with a representative regarding your concerns and we are sad to see you go, but understand you must do what you feel is best for you and your cat. If you have any additional questions or would like to explore those options further, please let us know and we're happy to assist you.
Best regards,The Embrace Team
Reviewed May 28, 2025
Disappointed with Embrace Pet Insurance – Denied My First Claim and Raised My Premium. I’ve had Embrace Pet Insurance since 2022, paying monthly with the expectation of peace of mind if my pet ever needed care. Unfortunately, when I finally needed to file my first claim, it was denied—despite having active coverage for over two years. To make matters worse, my monthly premium nearly doubled recently, and the only explanation I received was that it “reflects rising veterinary costs.” Meanwhile, I received no added benefits or improvements in coverage.
It’s incredibly frustrating to be a loyal, paying customer for years only to be denied support the first time I actually need it. Pet insurance is supposed to provide security and reduce financial stress, not add to it. Based on my experience, I cannot recommend Embrace. If you're looking for an insurer that actually supports you when it matters, I’d suggest looking elsewhere.
Hello Colleen,
We're sorry for any disappointment you experienced with the outcome of your claims. We want to assure you that we are committed to providing consistent coverage for pets throughout their life, and 92% of the claims received qualify for coverage. We also strive to be as upfront as possible about our coverage and you can view additional information regarding the Accident Only plan here: https://www.embracepetinsurance.com/coverage/accident-plan.
Embrace evaluates our premium increases annually based on our entire book of business and our data team focuses on several factors, including the age of the insured pet, the tenure of 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. However, we do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. If you are interested in exploring these options, you can do so via your MyEmbrace account under "Change Coverage" and can view more detailed instructions here: http://help.embracepetinsurance.com/en/articles/4428785-changing-your-pet-s-coverage.
If you would like to discuss your claim results further or have any additional questions or concerns, please feel free to reach out to our Customer Care Center and we're happy to assist you. Our goal is always to support our policyholders and their pets, so we appreciate your feedback and will use it to continuously improve our services.
Best regards,The Embrace Team
Reviewed May 22, 2025
It was my pleasure to have dealt with Sarah, who explained in detail different policies and helped me to make an informed decision on the one that I chose. Sarah was very understanding and did not pressure me into purchasing something that I did not want. She is definitely an asset to your company.
Hello William,
Thank you for taking the time to share that feedback! We're happy to hear that your experience was satisfactory and that Sarah 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 May 22, 2025
Filing a new claim with Embrace Pet Insurance was so cut and dry. I loved the way that they helped me because I’m not the computer person but they did a wonderful job at explaining to me what it is that I need to do so I can get reimbursed, thank you embrace. I highly recommend this pet insurance for anyone.
Hello Elisia,
We strive to make the claims process as smooth and efficient as possible, so we're glad to hear you had a positive experience! We appreciate your recommendation and you taking the time to share that feedback!
Best regards,The Embrace Team
Reviewed May 22, 2025
I’ve been with Embrace for years now and have never had a bad experience. Making claims is so easy, and reimbursement is lightning fast! Great customer service on the phone, too, and easy to talk to a real human, which is rare these days. Companies like Xfinity could learn a thing or two from Embrace about customer experience.
Hello Tiphanie,
We're thrilled to hear you've experienced excellent service from our Customer Care team and have been satisfied with the processing of your claims. Thank you for taking the time to share your kind words and for being a valued customer!
Best regards,The Embrace Team
Reviewed May 20, 2025
They partner with USAA for a great discount. They are very compassionate in guiding you to the best plan for you and your lifestyle with your pets. I had an excellent experience and know this is the insurance for my pets. My customer service rep was very relatable. I like the grooming and dental add ons.
Hello Jamie,
We're proud to be partnered with USAA and strive to provide the best service for you and your fur babies, 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 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 15, 2025
Please have Annley call me it's serious. Scooby is very sick. It's not good and pre-existing. Ok Forbes site recommended you & you were giving a $25 Amazon gift card. I'm devastated. Scooby will die slowly and it's pre-existing. I am on SSDI & ELDERLY. From here on out ALL his Vet costs will be palliative care. I'll have to cancel the Insurance. Can we get a routine care policy? I am struggling with the costs. I love this dog. Please help us. Libby **
Hello Libby,
First and foremost, we're so sorry to hear Scooby is not feeling well. We see you recently spoke with our team regarding your concerns, but if you have any other questions or need additional assistance, please feel free to reach out to our Customer Care team and we're happy to assist you further.
Best regards,The Embrace Team
Reviewed May 15, 2025
They are fine until you are asking to be reimbursed. Then they scheme, prolong and make excuses as to why they are unable to reimburse you. Horrible! I would never recommend. Be careful! They seem wonderful until you need a reimbursement.
Hello Andreea,
We sincerely regret any frustration you've experienced with the claims process. We try to process claims as quickly as possible, but they can be delayed if we are missing any required documentation. We see you recently spoke with a representative and the claims adjuster will follow up with you once the Medical History Review is complete. Our goal is always to support our policyholders and their pets, so we appreciate your feedback and will use it to continuously improve our services.
Best regards,The Embrace Team
Reviewed May 14, 2025
Embrace has fulfilled all insurance policies and has given me plenty of time to submit claims since I was hospitalized and was late filing claims. They are a reputable company. Their customer representative was polite and answered all my questions. I am very satisfied with the company and plan to stay with them and rebooted to other friends with pets.
Hello Barbara,
We are so glad to hear you had a great experience with Embrace! We aim to make the claim process quick and easy, and it sounds like you had a great conversation with one of our representatives as well. Thank you for choosing Embrace!
Warm regards,The Embrace Team
Reviewed May 14, 2025
Overall, until recently, I have been pleased with Embrace. The app is easy to use, claims are swiftly processed, and I'd recommend the product. This month, however, I was hit with a massive increase in premiums for my 14.5-year-old Golden Retriever, from $806/mo to $1073/mo. This increase would make it not worthwhile to continue the coverage. I did appreciate a personal call from customer support to let me know about the rise and suggest options for changing my coverage, but I feel that Embrace is abandoning me when I really need them.
Hello Elizabeth,
We are glad to hear you have been pleased with Embrace, and we know premium increases are never something we want to experience. However, premiums do increase over time with all insurance products, and pet insurance is not exempt from this standard. The main factors that impact premiums each year with Embrace include the age of a pet, tenure of the policy, and inflation, which includes the increase in veterinary costs. Our premiums are based on an actuarial review of all the policies we have in force, and we do structure our policies to allow each pet parent to adjust their coverage parameters to alter the premium based on what they feel is best for their individual pet and situation. We are happy to explore options further beyond your initial phone call if you are interested!
Best regards,The Embrace Team
Reviewed May 11, 2025
Have not had issues, highly recommend. We liked it so much we added our newest rescue onto a policy as well. Grants us the peace of mind to know that the bills won't be what we worry about and can focus solely on our pets' correct treatment.
Hello Nita,
We're happy to hear that you have had such a positive experience with your policy! We understand the emotional and financial burden that comes with caring for a pet, and we are glad your policy has provided you with the peace of mind you need. Thank you for your recommendation and for sharing that feedback with us!
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
