Embrace | Pet Insurance Review

I bought embrace insurance when my golden retriever was a puppy. She had surgeries and diagnosed with cancer. Embrace had helped me with pet bills. The customer rep. always answers the phone with timely manner and very respectful. I recommend embrace insurance to all pet owners.

This is second time submitting this claim. I went in because I hadn't received any money and it showed I never submitted, which I did back in April. There were also many times I received an error code when trying to submit a claim or it wouldn't let me go back. I had to open a new tab and login again. I also couldn't review prior claims.

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.

Customer service always very responsive, claim process is super easy seamless process. I recommend Embrace to all my pet parents

First time user. Great initial experience. Easy to use. Symptoms were found on the drop down. Accepted picture of invoice without difficulty. Easier and faster than expected. Thank you!