Embrace | Pet Insurance Review

I purchased accident coverage from Embrace to ensure my dog, Daisy, would be protected in unexpected situations. Unfortunately, when she suffered a clear reaction to insect bites after playing in a field—something any pet owner would reasonably consider an accident—Embrace denied the claim. The veterinarian's note confirmed that her symptoms were consistent with insect bites or stings, yet Embrace still refused to cover the incident under the accident plan. It’s incredibly frustrating and disheartening to realize that even straightforward, unpredictable injuries like this don’t qualify under their definition of “accident.” I bought this policy in good faith, expecting that basic, common emergencies would be covered. Instead, I feel misled. What exactly is the point of paying for accident insurance if it doesn't actually protect your pet when accidents happen? I strongly caution other pet owners to read the fine print very carefully. In my experience, Embrace overpromises and underdelivers. This feels like a scam disguised as insurance.

We've had embrace for over 7 years its so worth it , the customer service team is great . the claim process is seamless, i always recommend to all pet parents

So easy to work with Embrace. I was sitting in my vet's office and another person was bragging about Embrace. Great company.

Submitting a claim was straight forward and quick. I appreciate not having to take a significant amount of time figuring out the process. Thank you for making this simple and easy.

Embrace has followed through on their promise to let us care for our pet without extreme financial hardship. We have three cats, and one has been very ill in the last year. Without Embrace, these unexpected vet bills would have been overwhelming.