Embrace | Pet Insurance Review

I like the claim process. It is straight forward and easy, with a quick return in my bank account. They are helpful over the phone. I took away 1 star, because more often than not, I have issues with the website. It will give me an error before starting a claim and sometimes in the middle of submitting a claim. This happens about 75% of the time. I called the number on the website, and they were unable to fix the problem (pretty much just wanted me to try a different browser), but emailed me a way to still submit the claim. I waited a few days and was able to use the online claim service. I don't know if there are website issues during high traffic times, but it is extremely frustrating.

⭐ Review: Embrace Pet Insurance via USAA – A Cautionary Tale I used to trust Embrace through USAA. They were once top-rated, scoring 4.6 or higher, and I believed they offered real protection for my pets. But that trust unraveled quickly. One day, my pug was in excruciating pain—screaming when I tried to touch him. I rushed him to the vet. Bloodwork didn’t reveal the issue, so we did an x-ray. That’s when we finally found the problem. I submitted the claim to Embrace, expecting support. Instead, they denied it, calling it a “pre-existing condition.” How could it be pre-existing when I didn’t even know it existed until the x-ray? Their six-month orthopedic waiting period is a trap. It punishes pet owners for seeking answers and forces pets to suffer unless you wait out their arbitrary timeline. I appealed. They denied it again. This isn’t just poor service—it’s a system that gaslights pet owners and dismisses urgent care as a technicality. And now they’re sending marketing emails asking me to come back. No thanks. I’ll never trust them again.

1st I called Embrace as I forgot user name & password. The wait was longer than I cared to wait but the person that handled the call was patient, understanding & helpful. She than helped me make a claim. And she made everything easy to understand.

I've had embrace pet insurance for years. Never had a claim...never missed a payment. Rates started going up, $80 became $130...terrible..everything's going up..I get it... my dog is now getting older now and they just increase his coverage to $336 a month, if I change to lowest coverage its $160 a month for basically no coverage. Pricing my dog out of care. They know what they just did, that's why they sent me a letter saying what they did is legal in the state of Colorado. STAY AWAY FROM THIS COMPANY Please read the lies they sent me as a reply before you sign up for this company, because thats what you will get if you give them money, LIES

Poor , not very good insurance