Embrace | Pet Insurance Review

Chris clearly understood my inquiry and took time to research it on the phone. When he recognized that my claim had not yet been paid, he escalated the issue and managed my expectations for resolution. When I called on 8/25/2025, Chris explained it could take up to 15 days to complete the review. I received the payment for my claim today, 8/27/2025. Fortunately, he followed the best practice of service to under-promise and over-deliver. Thank you Chris!

I have really struggled to get Embrace to understand I split my wellness bills from the vet into payments with the vet. I have had claims denied because the vet receipt to me says zero, but the charge was moved over to my installment, and they won't accept the installment because each payment to the installment doesn't have a wellness item attached to it. I send in both the zeroed out bill with costs, and the installment receipts, and still get denied. After the companies response, and attempt to follow their instructions for successful payment, I was just denied again, Although the action happened within the guidelines of the policy, they deny based on paperwork the vet has available. So a company that is offering insurance, but not paying, and the customer can't do anything about it because they are limited to what the vet provides. I have sent in a BBB complaint and I hope this company can align their claims to vet clinics so the customer isn't in the middle paying for something they are not getting. And masking as military friendly when in fact they are not. A complaint to USAA to remove affiliation is next.

I always have a great experience with Embrace. They do what they say and pay their portion. It is important to me they keep their word and I know I can rely on them.

Timely and great handling of our claim after our dog underwent knee surgery. Easy to use website for submitting claim.

Not many regrets in life, but using Embrace is one of them. Since my dog had a bit of food intolerance/allergy when he was little they’ve claimed anything gastrointestinal is a pre-existing condition that they won’t cover. Now faced with the prospect of stomach cancer at age 10 and Embrace won’t even consider scans as something that would qualify. Paid thousands to this company over the years and have never had a single cent back. My vet is even shocked about what they are claiming and using as an excuse.