Embrace | Pet Insurance Review

We had a very nice experience with Embrace. After we misplaced reimbursement checks, their support team quickly checked the status, confirmed they were not deposited, and issued replacements without any hassle. Everything was handled smoothly. 😄

It was very easy to sign but not to file a claim. I purchased the Wellness package so I waited to have a few receipts before I filed. I had to file each one separately even though they were from the SAME vendor. They say supplement or vitamins are covered but I think Wrap a Pill should be covered because he wouldn't take any pill without it. They disagreed. I will say they told me 10-15 business days & clms were processed or denied the next day. We will see how long it takes to get the checks. That is wasteful to cut me individual checks. I feel the entire process is NOT user-friendly. I wanted to give 3.5 stars but that wouldn't work.

Absolutely furious with Embrace Pet Insurance. I paid my premiums faithfully, thinking I was protecting my dog in case something serious happened. The moment I actually needed them for mouth surgery, they found a cracked tooth and suddenly decided that anything related to the mouth wouldn’t be covered. So let me get this straight — one cracked tooth means they can deny coverage for the entire mouth? That feels less like insurance and more like a loophole-hunting operation. This was never made clear when I signed up. If your plan basically excludes major dental work the second they find any issue, that should be front and center — not buried somewhere in fine print that only becomes relevant after you submit a claim. Insurance is supposed to be there when things go wrong. Instead, I was left with a huge bill and a company that seemed more focused on denying coverage than helping a paying customer. If you’re considering Embrace, be prepared for them to look for any technicality to avoid paying. I feel completely misled and will be reconsidering giving them another dollar.

Rebecca was very patient and helpful explaining all the pertinent information to me

I had never purchased a pet insurance before this dog. I'm so glad I did. Embrace is very easy to work with, claims submission is very easy and if you need to reach out customer service is on point. Reasonably priced. Claims have been paid timely and without issue.