Embrace | Pet Insurance Review

I originally rated this pet insurance company four stars, but I am now changing my review to one star due to repeated claim denials and what feels like intentional runaround tactics. My dog’s wellness claim for neutering and a tooth extraction has been denied multiple times under the excuse that they are “missing medical records.” This is simply not true. His full medical records have been sent multiple times — by my veterinarian, by their office staff calling directly, and by me personally. My dog was adopted at six months old. He was a puppy. The original vet provided all records they had, which were vaccination records only. There were no prior conditions, no claims, and nothing else to send. He is now just over two years old, yet this company keeps requesting records from 12 months prior to him even being born, which is impossible. Despite repeated explanations, phone calls, and documentation, the claim continues to be denied with the same generic response. At this point, it feels less like a mistake and more like a deliberate attempt to avoid paying valid claims. If you are considering this company, be aware that you may pay premiums faithfully only to have legitimate claims denied over and over again for reasons that make no sense. Sadly, I’m starting to question whether this company operates in good faith at all.

Great representative! Easy to enroll - fair prices + flexible coverage options!!! :)

Coverage conditions are very clear from the very beginning. The claims process is efficient and fast. Amazing customer service agents when you need extra help.

December 29, 2025 our dog was not feeling well. Took her to the Vet to find out she has diabetes. This required a 3 night hospital stay, insulin shots, a change to prescription dog food and weekly monitoring for first 3 weeks. Thanks to Embrace we knew we would see a reimbursement for 80% of the cost based on the policy we signed up for. Embrace has always paid with no issues. We are thankful to have Embrace for our pet.

This company is a fraud. They are happy to take your premiums but will do anything to keep from paying a claim. They are a complete scam. They were rude and went out of their way to be jerks. Do not do business with them! Horrible, horrible people.