Embrace | Pet Insurance Review

Very disappointing experience with Embrace Pet Insurance. My cat was attacked by another cat inside my home and needed veterinary treatment. I filed a claim expecting the company to review the situation and process it under accidental injury coverage. Instead of investigating the incident, the claim was effectively denied based on an unrelated veterinary note from over a year ago stating that my cat required sedation during a vet visit. Anyone who has owned a cat knows that sedation at the veterinarian is extremely common and does not mean the animal has a chronic aggression problem. Despite this, the company classified my cat as having a permanent “aggression” exclusion and used that as a basis to avoid covering injuries from a fight. What is most concerning is that there appears to have been no investigation into the actual incident. The decision seems to have been made solely based on a selective interpretation of historical records rather than the facts of what happened. Pet insurance should provide peace of mind when unexpected accidents occur. In my case, the claims process felt more focused on finding technical grounds to deny coverage than on fairly evaluating the claim. I hope the company improves its claims review practices so other pet owners do not experience the same issue. March 26, 2026 Update. I wanted to share an update regarding my experience with Embrace Pet Insurance. Initially, my claim was denied based on an “aggression” exclusion, which I believed did not accurately reflect my pet’s condition. After carefully reviewing the decision, I submitted an appeal explaining that the issue was related to anxiety rather than aggression. I am pleased to say that Embrace reviewed the appeal and ultimately overturned the aggression exclusion, recognizing the condition as veterinary-specific anxiety. I appreciate that the company took the time to reconsider the case. While the initial denial was frustrating, the appeal process worked, and the outcome shows that Embrace is willing to review cases. Overall, I am grateful that the matter was resolved fairly after the appeal and that the correct medical interpretation of my pet’s condition was recognized.

Embrace is a fantastic Pet Insurance. It has met my Dogs needs for almost 3 years. It has been great!

I received some good options in order to make adjustments to our policy to reduce the cost. Great help. Courteous and very helpful.

Customer representatives are kind and helpful once you are transferred to an agent. Lots of time holding listening to piano music. Be careful about bundle costs! Be sure that everything is itemized. I’m losing out being reimbursed because my dog’s dental bundled the X-rays, drugs, and teeth cleaning. It’s very frustrating.

I signed up for Embrace pet insurance on 11/25/2025 and sorely regret it. Now I’m out over $400 on monthly fees and have lost all faith in pet insurance companies. On 1/5/2026 my cat had a medical emergency in which blood was exiting her body through both ends. While the situation was extremely distressing, I felt comfortable knowing Embrace would help me cover the cost. After all, I was well past the 2 week accident and 1 month illness exclusion dates so I figured I had nothing to worry about. WRONG. Two months later, it’s now mid-March and I’ve only just received the denial letter after two months of constant follow up on my end and delayed and very limited response from them. They claimed that the delay in processing my claim was due to my veterinary office not providing them with medical records for 18 months prior to this incident. The problem, however, is that they did not ask the right clinic for the medical records, asking the emergency vet for my cat’s records rather than their regular vet. I asked on multiple occasions for them to reach out to the primary vet and it took over a month to get a response. 15 days after reaching out to my cat’s regular vet for medical records, they put the case “On Hold” claiming no documentation had been received. At that point my cat’s vet had sent the documentation over twice, once on 2/10/2026 and once on 2/20/2026. After following up on several occasions asking for an update on my claim, I filed a BBB complaint against Embrace on 3/5/2026. Shortly thereafter my case was moved to “in review” status and closed within 1 week. Embrace acknowledged they did receive the veterinary records on 2/20/2026 and claimed this review had been in process since then. I struggle to believe this given the complete radio silence until I submitted my complaint. Finally for the reason they rejected my claim: my cat had a bad reaction to a pet food in early 2025 and had a vet visit where it was noted that she had vomited and had diarrhea. Embrace claims that because there was not 12 consecutive months between these two completely unrelated incidents, this counts as a temporary condition they do not cover (and it’s hidden DEEP in the insurance policy). Two incidents, 345 days apart where the only things in common are vomiting and diarrhea. That’s it. I have no doubt that had I not canceled my policy with Embrace, should that same cat break a paw or something in the next year and vomit from the pain, Embrace would use that vomiting as an excuse to not pay out on the claim. I hope this serves as a warning to pet parents considering Embrace: they do not care about you or your pets and will find any and every loophole to delay or avoid payment. Shameful company.