Embrace | Pet Insurance Review

I would never recommend Embrace as a long-term safety net for senior pets. Trusting Embrace Pet Insurance was my biggest financial mistake. After more than six years and five pets insured, my monthly premium jumped from $347 to $647 at renewal, an 86.7% increase. I have accepted premium increases for years, but nothing remotely close to this. When I escalated the issue to Embrace's senior management, I was told my only options were to pay the increase, reduce my coverage, or cancel it altogether. There were no loyalty accommodations, grandfathering provisions, or retention options. I also asked whether future renewals could see increases of this magnitude again. I was essentially told that premiums are determined by the underwriters each renewal, meaning there is no cap and no guarantee that another increase like this couldn't happen in the future. Now I'm trapped. My senior dog's age and medical history make switching carriers unrealistic because much of his history would be considered pre-existing. My advice: research carefully before choosing a pet insurer, and avoid Embrace Pet Insurance, they will punish you for years of loyalty!

Contact with Embrace has been excellent for close to 20 years (have had multiple dogs over those years). There have not been any disputes or non-coverages. We have been treated well.

I am not happy so far. I submitted my first claim in November 2025 for surgery for a testicle that did not descend. They claimed it was a routine neuter and so was not covered. irritating but i guess i understand. i then had more issues with my cat so submitted several visits about 6 month later in April.. it's been a month so i logged on to get an update and its saying that they are still waiting on medical records. i called to follow up and it says its a 40 min wait. i logged in to check my policy more in depth and it looks like i "opted out" of perscription and exam fees. I dont even remember this being an option when I signed up! its like nothing is covered!! if you want the bare minimum coverage, a 50% chance of being covered when need, and 0 customer support, choose Embrace.

Embrace has really been a life-saver for our cats. While one cat has never had any issues, the other one has had multiple issues and Embrace and their team makes everything effortless for me. Overall, Embrace and their partnership with USAA has helped us provide quality care and handle unexpected costs. They are seriously the best!

I only complaint I have is that the website is always down when I need to review policy. Your staff was kind enough to send the documents I needed to my email. Other wise so far everything has been good. I have not submitted any claims yet. When I do I hope I will not have problems or rejections. I had to fight to have most of my vet bill paid by Nationwide because they were not reviewing documents. Just rubber stamping them. In the end I have to make numerous call and send documents to them 3 times. Finally I got some with a heart to look them over and they paid according to the policy. In the End, My dear Gracie passed away. It was a very stressful time. I hope I do not have to fight to have my bills paid per the policy. I'm putting my trust in this company. I hope I don't get burned.