Embrace | Pet Insurance Review

Embrace Pet Insurance have covered my two sphynx since 2015 and I have been overall pleased with their service and the value for the costs. They have even been able to work with me when work required my extended stays overseas and my cats needed to be seen by veterinarians outside of the USA. My one recommendation for them to improve upon their service is to mirror the prohibition of holding Pre-existing conditions as against pets the way that human health insurance no longer is allowed to do that. Would make getting an older rescue pet much less risky. Especially if I wanted to take on a foster pup.

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.