Embrace | Pet Insurance Review

If I could give zero stars, I would. This so-called “pet insurance” company is an absolute joke. They lure you in with promises of peace of mind and coverage for emergencies, but when it actually matters, they do everything in their power to avoid paying. I recently had to take my pet to the ER for an urgent situation—a visit that was already stressful and expensive. I filed my claim with every single document they requested, thinking I was covered. What did they do? They nitpicked every minor detail to deny the claim only paying $40 after a $900 visit, claiming it didn’t fall under their “coverage criteria.” It’s absurd. What’s the point of paying outrageous monthly premiums if they won’t even cover a legitimate emergency? They hide behind vague fine print and ridiculous loopholes to dodge responsibility. The process of filing a claim is a nightmare, and the customer service is useless. They don’t care about you, your pet, or the fact that you’re relying on them in a time of need. This isn’t insurance—it’s a scam. Save yourself the headache and put the money into a savings account for your pet’s medical expenses. You’ll end up paying out of pocket either way, so why bother with these fraudsters? DO NOT trust them with your pet’s health or your wallet. This company is nothing but a profit-hungry scam operation, preying on pet owners when they’re most vulnerable. Shameful.

Wait forever for them to respond only to telling nothing is covered by we need every vet he's ever seen! And everything is pre existing conditions or not enough info! Don't by any pet insurance I've had 3 different ones all a scam I'm paying 163$ a month for one dog and won't cover!!!!! Don't waist your money on any of them

Always professional service and telephone and on online - would highly recommend

I've been an Embrace customer for almost 15 years. They've consistently paid my claims quickly and efficiently during that time, whether for something small or for larger expenses including ongoing, chronic conditions, prescriptions (a HUGE help!), and dental care. I'm easily able to upload my receipts/invoices on their site in less than 5 minutes, and claims are usually processed within a few days.

My shi tzu was diagnosed with glaucoma before I signed up for Embrace. So all my claims involving his eyes even when it’s not due to glaucoma got denied. Then I found out that my premium was going up this month. So I canceled it. Then they offered me a lower rate that would cover more. It didn’t make sense at all. I still canceled it. I just wasted $35.74 every month for over a year. Then they charged my credit card for the new rate of $53.67 on the day I canceled the insurance. I disputed the charge. It’s still under review.