Embrace | Pet Insurance Review

It is impossible to reach anybody on the phone for any reason whatsoever. This is not useful. Whether they are any good as an insurance company or not, which I don't think they are, they at least have to pick up the freaking phone. They give you these long long long long long speeches when you press an option as if you're a flaming idiot who doesn't know how to read an explanation of Benefits and they're obviously trying to prevent you from reaching a human being and I never found out how to reach a human being. I just kept pressing zero forever until somehow it turned into hold music. Then I was on hold for about 20 minutes and I said never mind and I gave up because I don't have this kind of time. I really think these guys suck personally

Exceptional Service & Fast Reimbursement – Highly Recommend Embrace! I can’t say enough good things about Embrace Pet Insurance. From the moment I signed up, I felt confident that my pet’s health was in good hands — and they’ve exceeded my expectations at every turn. One of the standout features for me has been the quick turnaround for reimbursements. Submitting a claim is straightforward through their user-friendly app, and I’ve consistently received reimbursements in just a few days — much faster than I expected, and faster than other insurers I’ve used in the past. Beyond speed, what sets Embrace apart is their transparent communication, excellent customer service, and clear coverage. They make it easy to understand what’s covered, and they don’t play games with fine print. Every interaction I've had with their team has been courteous, knowledgeable, and genuinely caring. I also appreciate the customizable plans that let you tailor coverage to your pet’s needs and your budget. Whether it’s routine care or emergency treatment, I’ve felt supported every step of the way. If you're looking for peace of mind, fast and fair claims, and a company that truly cares about your pet's well-being, I wholeheartedly recommend Embrace Pet Insurance.

I recently signed up with Embrace for my dog Sophie, and the experience has been great so far. The plan I chose is affordable and straightforward, and I love that it includes both accident coverage and a wellness plan. The $700 yearly wellness allowance makes a big difference, it helps cover essentials like Simparica Trio for heartworm/flea/tick prevention and even allergy care, which can add up quickly. What I appreciate most is how transparent and helpful the process has been. The representative walked me through every detail and made sure my plan was active right away. Claims are easy to submit, and I feel reassured knowing reimbursements are handled quickly. I also like that the wellness funds don’t roll over, because it motivates me to use the full amount on Sophie’s health throughout the year. It really gives me peace of mind knowing she’s protected no matter what comes up. Overall, Embrace has been reliable, easy to work with, and a huge relief financially. I would absolutely recommend them to other pet parents looking for comprehensive coverage and great support.

Super easy to submit a claim.

Submitted my claim for my pet on 7/2/25. The site keeps saying pending medical review. It's been 25 days and still no answer. Sent an email message inquiring why this is taking so long to make a decision on my claim-----NO ANSWER!!!! Totally unacceptable.