Embrace | Pet Insurance Review

I had one claim filed in February 2025. After 10 months of trying to get reimbursement, I am giving up and switching insurance companies. This is insurance is a scam and all they deal in is stall techniques. First it was there is not a record of a clean bill of health. Once that was provided by myself and the veterinarian office, nothing was done. I called and asked for a status update. And then their next stall technique was the invoice with the vet notes was not descriptive enough to approve the claim. The vet sent in additional information. But still not enough. Absolutely ridiculous and a waste of time. I will not be renewing my policies for my dogs. I will find a company (even if it costs more) that will be true to the insurance policy.

Very caring about your pet’s needs. Professional service when you need it most as you manage your pet’s illness or injury.

We've had one claim for the three pups we have covered. The process was easy and reimbursement was not delayed. Premium increases annually were inline with my expectations. However after being a customer for six years, we moved 150 miles away and our premium increased 85%. I understand the increase as pets age but the 85% increase was due to the move. The customer service rep was not friendly but not rude. He seemed only to read a script - it was robotic. We'll obtain quotes from other companies when we have a new pet.

Never received money from them and had to go through a ridiculous amount of trouble just to try and get the money they owed me. Still haven’t received it!

This is our third year with Embrace. The web site is so easy to use and claims are always resolved with one to two days. Your reimbursements are back in your bank account quickly. They are dedicated to taking care of your pets. I messed up one claim by using the wrong year and instead of just declining my claim they saw my mistake and fixed it themselves let me know where my mistake was and continued to resolve and reimburse me for my claim. They are all friendly, outstanding representatives who are truly there to help you take care of your pets.