Embrace | Pet Insurance Review

Why would Embrace make it impossible for you to set up automatic pay for claims paying via EFT? The longer they hold on to your money, the more interest they make off your payment! I tried online, and it failed every time. In the small print below, it said, "Please call customer service." My payment is debited directly from my checking account. I had no issue with that process. Then I had a claim because I had a puppy who was vomiting, and it was his first visit with me. They used the first visit as a pre-existing condition and said that if he stayed free from vomiting for one year, he would be covered. I asked how that was a pre-existing condition? They vaguely explained, then they said he had an underbite, which was a pre-existing condition. So, the breeder I got the dog from gave me a certified health check. I gave it to them and said remove those pre-existing conditions he was checked when he was born more than once. So they read it and removed it from the file. All of these insurance companies are scams!

I have had great experience with embrace pet insurance. My initial claim was denied for a specific treatment however with my dog heart murmur and passage ways medication to the past three claims has been phenomenal. An extremely happy with their customer service and care for our Bella! Thank you!

I was very disappointed that I was mislead on my coverage when I signed up, the insurance is only for accidents and illnesses. It doesn’t cover wellness visit, vaccines or teeth cleaning. I had a hard time understanding the representative to go over my policy. I wouldn’t recommend them to a friend.

Took my dog to his vet on Jan. 28, 2026. Still waiting for the settlement of my claim.

My representative Roger was fantastic. Took the time to go through everything with me and did a cost comparison to my previous carrier. I switched over to embrace.