Embrace | Pet Insurance Review

The associate, Dan, who I spoke with when my pet passed was very kind and compassionate, while clearly explaining what I needed to submit, how he would close the policy, and how refunds would be processed. On each occasion when I called, especially when I purchased the policy, my call was promptly answered and every associate was very knowledgeable and helpful. Web site is extremely easy to use.

We have had 3 dogs insured by Embrace for a total of 14 years, this month. They have always stood by their policies and they have been there for us when our dogs have gotten sick. We know, no matter what happens, our dogs can get the care that keeps them happy and healthy.

I have had ongoing problems with this company since July 29, 2024. It took a full month to resolve. Premiums have increased by $50/month for our two pets this year alone, yet, this policy barely covers anything. Further, there appears to be an extreme lack of staffing in the call center, as wait times can be (per their own recording) up to an hour. I have left messages but received no return calls. I persisted and was finally able to get through after a ridiculously long hold only to be told that our premiums were increasing due to increased costs in our area. This has not been our experience at all. Another major problem is the website. I was unable to log on for weeks before someone finally got it straightened out. I have serious concerns about the viability of this company.

Embrace has been really good to both me and my dog, Casper. She had an accident where she fell off my bed and fractured her left hind leg because she didn’t have pre existing conditions it was covered under the accident and illness limit of the policy. Embrace is good but as with any insurance understand your coverage.

After working in an emergency clinic for a few years, I swore I would never make a decision regarding my pet's lives based on money. Embrace is affordable and their website is easy to navigate and submit claims. I do not regret a single penny I have spent with Embrace since 2021.