Embrace | Pet Insurance Review

Always fast with claims, friendly, knowledgeable employees that seem to sincerely care. I’ve been with Embrace for over 12 years and several Boxers. They’ve never let me down. I 100% recommend Embrace to anyone/everyone that wants to help your pet and your pocketbook in the best health possible.

Customer service is exceptional.

I have a senior dachshund who has frequent visits to his vet for skin, ear and heart issues. Embrace responds to my claims and reimbursement is directly deposited in my bank account within a few days. Also, Embrace makes it very easy to file a claim on line. Very happy with our choice of pet insurance.

Easy to submit claims,

If I could give negative stars, I would. After a simple miscommunication between my husband and me, we realized that neither of us had submitted the receipt for our pet’s tick and flea prevention — something covered under our wellness plan. We pay $225 (split over 12 months) for $250 in annual wellness coverage. Unfortunately, Embrace requires all wellness claims to be submitted within 60 days of the policy renewal date. Because we discovered the mistake after that deadline, Embrace refused reimbursement and kept the $225 we paid. This policy feels intentionally deceptive — a crooked setup designed to profit from policyholders’ honest mistakes. It’s an unreasonable, customer-unfriendly practice that punishes loyalty instead of rewarding it. My advice: stay far away from the Embrace wellness plan. The tiny $25 “benefit” isn’t worth the risk of dealing with such rigid, unforgiving policies built to take advantage of policyholders.