Embrace | Pet Insurance Review

Excellent!! Love Embrace. We have had Embrace since Joy, my 9.5-year-old Boxer, was 4 months old. In May of 2024 she was diagnosed with Degenerative Myelopathy. She went to rehab once a week for Hydrotherapy, Laser Therapy, and Acupuncture and it was very helpful in keeping her walking. June of 2025, she lost ability to walk so hydrotherapy was not needed and the 1.25-hour drive to rehab was becoming too stressful for her so we changed to a mobile vet for in home acupuncture and laser therapy. It helps her so much, Embrace is a big help and I am so glad Embrace is here for us during this difficult time. Being insured with Embrace makes it so much easier and gives me peace of mind that I can give Joy the best. To submit a claim is so easy; I submit my claim every week and the claim payment is in my bank account within 3 days. I cannot imagine not having pet insurance and, in my opinion, having Embrace is the very best. Embrace has great customer service and I have NEVER had an issue; I Love Embrace Pet Insurance.

Embrace has been incredibly easy to work with, has covered what they said they would, and turned around claims reviews/reimbursements incredibly quick without a lot of back and forth.

Easy to submit claim information

Embrace sounds good until you pay and learn that nearly every vet visit is not covered. There were multiple occasions where I was told by Embrace that they needed medical records to review a submitted claim. They would request that I contact my clinic. I would contact my clinic only to learn that my clinic had already responded to the original ask for embrace. This felt like a racket and was definitely a waste of my time. In the end, I spent more money on Embrace covering two 9 year-old dogs, then just simply paying the bills myself. Not worth the money or the hassle.

Very nice customer service. First time I had to use it and it went fairly well since I didn’t know quite how it works.