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Pet parents across the U.S. and Canada have left over 150,000 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our review hub makes it easy to compare top providers and find your perfect match.
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Professional and Timely
Listen! I am a first time pet provider along with my two kids! I was unsure about purchasing but why not we have insurance for ourselves! When we had to recently file a claim the person who was assigned our case was nothing but PROFESSIONALa and took care of us every step of the way! So grateful!
Insurer: Embrace
By: VRoyal
Claims are easy to submit but take a while
I find the system Embrace uses for claims is very simple. The website is wonderful and intuitive as well. The one issue would be the length of time needed by Embrace to perfect and pay a claim and hence why I gave a 4-star rating. It took over 30 days which seems like an extended time. Other than that, all very good!
Insurer: Embrace
By: JAN W
Glad I have Embrace Insurance
When I brought 2 1/2 year-old PB home in 2017, I immediately wanted to get pet insurance on him. Embrace insurance had good reviews and when I read their policy, I liked what they covered. I purchased their accident/illness program and their wellness program and I have never regretted it. A couple of years went by and PB developed grade II elbow dysplasia and a cervical problem. He also has a bad habit of eating anything he can get his mouth on. This has required some emergency hospitalizations. It was such a relief that affordability did not have to play a part in the decision in his treatment. Embrace insurance has covered everything that I have expected them to cover in accordance with their written policy. The claim filing process is very easy and the turnaround time for reimbursement is great. I have never had it take more than 2 to 3 weeks to get my claim resolved and money deposited and usually it’s done within a week. Their communication is great and their customer service representatives are fantastic. When I contact them by phone, they have been kind, thorough, knowledgeable, and helpful. Their wellness program is also more comprehensive than others I have investigated. The premiums do go up every year; however, older dogs can develop more problems as they age and veterinarian prices have gone up significantly in the recent years. I highly recommend this insurance for your fur babies. Thanks Embrace!
Insurer: Embrace
By: Christa W
Super Slow Once You Meet Your Deductible
I recently submitted a claim for my dog, who had emergency surgery. The bill was eventually approved and reimbursement issued, but it took a month to receive approval and reimbursement. I have 4 additional outstanding claims, one of which is 3 weeks old, that I still haven't heard anything on, other than a polite "sorry this is taking longer than usual" email. But if all my claims take this long, is it really "longer than usual"? Quite a different experience to before I met my deductible, when they would process my claim and issue an EOB in a day. Almost as if they don't want to issue reimbursement.
Insurer: Pets Best
By: Mary
Embrace has had my babies insured since…
Embrace has had my babies insured since they were 3…now they’re 9! First time I’ve had to use for illness, but it was simple to file claim, and completed in a timely manner.
Insurer: Embrace
By: TRAYCE CLARK
Filing a claim was simple process
Filing a claim was simple process. Unfortunately, cost of coverage is much higher than other highly rated pet insurance providers. Had to cancel as my plan jumped up 60.00 at time of renewal. Found a plan with same coverage amounts with awesome ratings for more than a 50% rate reduction.
Insurer: Embrace
By: Barb ODonnell
So responsive!
So responsive!! Claims are processed much faster than I ever imagined!! So easy to do on the app!!!
Insurer: Embrace
By: Janeen Bloyer
Submitting wellness claim was an easy…
Submitting wellness claim was an easy process easy to follow. Embrace has been quick on the turn-around.
Insurer: Embrace
By: Chris Elliott
Spot insurance
So far I’ve been very happy about the service provided. The only issue I have is when Carmel get her vaccines from a mobile vet recently, I thought more would have been paid back to me.
Insurer: Spot
By: Belinda Kubeczka
Frustrated Can’t get into website after numerous…
Can’t get into website after numerous trys and forever wait to talk to representatives.
Insurer: Embrace
By: Susan