Embrace | Pet Insurance Review

Working with this company was mostly a good experience, but only for one year. The support staff is always kind and professional, the website is easy to use and I was reimbursed quickly for claims I submitted. However, my premium DOUBLED after one year. A 100% increase in cost is outrageous and now I can't keep all my pets insured with this company.

Quick communication and claims processing.

They keep raising their premium, making the insurance useless

I have always been satisfied with Embrace until I got my stray 8 wk old kitten in July.We took her to our vet the day after we got her. She was wormed and given flea and tic meds! I put her on our Embrace policy with our other two cats who are 8 yrs old!She was on long enough to be covered for an accident but not for an illness. We came home from church about a month after we got her and she could not put any weight on her leg! She was absolutely fine when we went to church! Since it was Sunday, we took her to the emergency vet! $700 later it was determined she had a soft tissue injury, nothing broken! We took her home and she was fine the next day, just limping slightly! Because no one witnessed what happened to her, Embrace said it could be a pre- existing condition and refused to pay! Before that Sunday, the kitten had no problems walking, nor has she been diagnosed with any problem to her leg since! Embrace has always been great with paying our other claims, but this one seriously fell through the cracks!!

I honestly can’t say enough good things about Embrace. Dealing with vet visits can be so overwhelming, but every single person I’ve spoken to at Embrace has been an absolute gem—so kind, genuinely empathetic, and incredibly knowledgeable. You can tell they aren’t just reading from a script; they actually care about you and your pet. What really blew me away is how much stress they take off my plate with their mobile app. I used to dread the idea of insurance paperwork, but the app makes the claim process so fast and easy. I just snap a photo, upload it, and the team handles the rest. It’s such a relief to have a company that combines a true human touch with technology that actually works. It is also such a comfort knowing that the financial side of my pet's care is one less thing to worry about.