Embrace | Pet Insurance Review

Rates keep going up crazy here.plus claims taking much longer to pay out. Think it’s time to change companies after 20 years between two pets.

I've been a customer for 4 years now and I love how fast claims are processed and it's easy to get a person on the phone when I have questions.

Quick response and Incredible customer service! The rep looked into the reason for this rare delay and was able to quickly provide an answer. When I mentioned a website issue I just wanted Embrace to be aware of, she also researched that and got back to me. Love this company!! If I have a question about a claim, they are open to discussing it, reviewing their decision and reopening the claim. They are very polite and patient when explaining things so I don’t hesitate to call when I don’t understand. Reimbursements are paid rapidly. Best decision I made after I got my dogs!

Poor service. They look for any reason not to pay claims. Unless you animal is a baby pet insurance is a waste of money. Save up yourself and what you we’re going to pay them put in bank. They are a waste of money

Presently still awaiting a 6/1/26 claim (today is 6/24/26). Extremely dissatisfied with this insurance company because last year claim -we had to prove our dogs' illness that occurred despite all the medical records that were sent in. They hav no problem taking the money from your account monthly- but they really do not want to pay on an ER bill as shown by the length of time and we still have not had a response from Embrace. I have used USAA insurance for my car and our houses since the 1970's and had no issues. I also felt as others do that claims were sometimes denied or delayed due to requests for extensive medical history or technical issues with the submission process(especially since I personally sent all of my dogs' history myself from the vets' office).However my rating reflects my explanation and my disappointment in Embrace.