Embrace | Pet Insurance Review

Great company! Easy to get a hold of a human being if you have questions. When my dog passed they sent me a card made with wild flowers to plant in her memory. It was very sweet. Submitting a claim is fairly easy and the return is pretty quick too. I wish they were cheaper but everything is expensive now a days. I will never not have insurance ever they are a blessing.

Terrible Experience – Avoid at All Costs! I signed up for Embrace Pet Insurance thinking it would give me peace of mind, but instead, it’s been a nightmare. For five months, they charged my credit card without ever reviewing my pet’s health history. Then, when I finally submitted a claim, they denied it due to "pre-existing conditions"—conditions they never even asked about when I enrolled! How can an insurance company take your money for months without verifying coverage eligibility? It feels like a scam—they happily collect premiums but refuse to pay out when you actually need them. The worst part? Their customer service was dismissive and unhelpful when I tried to resolve the issue. If you’re looking for real pet insurance that actually covers your pet, look elsewhere. Embrace will take your money and leave you high and dry when it matters most. Waste of time and money.

Everyone I talk to is so helpful. I really appreciate the easy process for submitting claims and the process for reimbursement when appropriate. Thanks Embrace Pet Insurance.

Love. Embrace. We have been with them almost five years. Easy process. Quick payments. Thank you

We have had a good experience with Embrace for our two dogs so far. We adopted them when they were under three months old, and almost everything within the dollar limit per policy has been covered. Claims are processed within a very reasonable length of time. If it was easier to reach them by phone, I would give them a five-star review. It's ranked very high by Forbes too.