Embrace | Pet Insurance Review

I thought because USAA partnered with Embrace that it would be an easier insurance provider to deal with, being that we are a military household. We are also overseas, as many military are, so I was not expecting the strange loopholes this company gives to overseas clients. I signed up through their website with no issues. The second I created an account, had paid for my cat's policy and filled out all of her paperwork, the website went dark. I no longer had access to it. After about a week of trying to log on, I decided to download a VPN and see if it worked from a different IP, which would be strange because it initially allowed me to use my UK IP. So now I can access my account but only through a VPN, annoying, but doable, but still confused by the switch up because of course, they work with military who are often stationed outside of the US. Fast forward to my cat dying. I am now trying to cancel my policy and there is no way via the website to do so. You must call one of the six different 1-800 numbers they have listed on their site. They ALL go to the same recording, which, when choosing option 3, to cancel my plan, it rings once and hangs up. I experienced this with every number provided on the site. There is no e-mail for customer support. There is no person to contact. How is this possible? There is no way for me to cancel my policy? I absolutely do not recommend Embrace for pet insurance. It's giving scammer vibes. Where are the people who work there and how am I supposed to contact them?

Katie supervisor made the difference. Very frustrated being on hold for 5 d as y listening to music for 39-45 minutes stretches 2/3 x day. Tiffany not helpful so asked for supervisor and got Katie. She took the time to listen and solve best she could with my insurance jumping in june 2025 from $98.-$255.

Our cat has been battling lymphoma. That medical battle has been stressful enough but a big "Thank You" to Embrace Pet Insurance for making the claim process so easy to deal with. Filing the claims has been a breeze and Embrace has been very responsive from answering questions to the processing of the claims. Much appreciated as we focus on care for our cat.

I had one of the nicest customer service reps I have had in a long time. A very great experience. I have always have a great turnaround on reimbursements.

Don't waste your money. They will do whatever they can to NOT pay for anything.