Embrace | Pet Insurance Review

Absolutely furious with Embrace Pet Insurance. I paid my premiums faithfully, thinking I was protecting my dog in case something serious happened. The moment I actually needed them for mouth surgery, they found a cracked tooth and suddenly decided that anything related to the mouth wouldn’t be covered. So let me get this straight — one cracked tooth means they can deny coverage for the entire mouth? That feels less like insurance and more like a loophole-hunting operation. This was never made clear when I signed up. If your plan basically excludes major dental work the second they find any issue, that should be front and center — not buried somewhere in fine print that only becomes relevant after you submit a claim. Insurance is supposed to be there when things go wrong. Instead, I was left with a huge bill and a company that seemed more focused on denying coverage than helping a paying customer. If you’re considering Embrace, be prepared for them to look for any technicality to avoid paying. I feel completely misled and will be reconsidering giving them another dollar.

Rebecca was very patient and helpful explaining all the pertinent information to me

I had never purchased a pet insurance before this dog. I'm so glad I did. Embrace is very easy to work with, claims submission is very easy and if you need to reach out customer service is on point. Reasonably priced. Claims have been paid timely and without issue.

This company is just like every other insurance. They will use every excuse they can find to NOT cover a condition. If they worked as hard to help pets be healthy as they did to get out of paying a claim, their patients would be a lot healthier. But instead, they define all pre-existing conditions in the broadest possible terms they can legally get away with. I have far too many examples of this to fit in a review, but I'll give one: They tried to exclude all skin conditions on a 6 month old puppy b/c she first came home to us with fleas and had a few visible bites. If you think that's reasonable, roll the dice on them. Personally, my most recent experience with Embrace was the straw that broke the camel's back to convince me to find a different pet insurance. -------------------------------------- Edit on 3/9/26 to respond to Embrace's total pandering reply: Being unable to cover pre-existing conditions is not what you do. What YOU do is take any mention of any type of symptom and broadex the interpretation to include as much coverage as you possibly can. I have SO MANY examples of this: 1. my dog threw up one time 4 years ago, you let me pay for coverage for a year and THEN tell me you won't cover any GI issues. That's neither reasonable nor accurate. 2. my vet notices that my dog has papules on her skin in her first ever puppy exam -- these were flea bites b/c the place we adopted her from didn't give her the right dosage flea and tick medication. Our vet gave her the right flea and tick dosage and it was gone. But you excluded ALL DERMATOLOGICAL conditions. Go to hell.

Rachel was very pleasant, knowledgeable and solved my problem.