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Pet parents across the U.S. and Canada have left over 219,589 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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I sought a policy with Embrace as…
I sought a policy with Embrace Pet Insurance as referred by “some” of the Veterinary providers for my dog, inherited from our deceased daughter. I did not understand that “anything” previously and historically recorded as a malady would render “all claims null and void”. I paid in approximately $4,000 to Embrace ($161 monthly) from June 2023 to September 2024 plus $Thousands for his care with these same veterinarians. I was ill advised and ignorant of the clauses that Continued to suck money from me without any hope of restitution. This whole industry is a scam. Just because “I should have read the fine print about prior existing conditions” does not make it right for the whole industry to continue to suck the pet owner dry. This is hurt, upon hurt, and being taken advantage of by unscrupulous companies, just because they can. I hate having been a sucker to the whole shebang!!! I will tell everyone that I know and come in contact with to stay away from this fleecing encounter.
Insurer: Embrace
By: Consumer
My claim simple, quick and easy..
My claim was a breeze.. easy, simple and quick. I submitted online. Just sent a copy of my detailed bill and gave a brief description of certain specific itemized procedures that I thought may need some explanation. I submitted 2 separate claims on September 24, 2024 and received an email on October 2, 2024 saying both claims were completed (7days) and a check will be sent in the mail since I did not have direct deposit attach to my account. I am satisfied with the claims department... fast and speedy work in completing my claims. I just wish Embrace would stop raising my pets yearly renewal each year, customer service says because pet ages. My pet became a member in 2021. I started paying high 40's (July 2021) and now I'm paying $117.51 (July 2024) I only submitted an actual claim "twice"....which this is the claim I am doing a 5 star review... Not counting the wellness plan i did a claim on...since I had paid into that plan and received only $25 extra added to what I paid. I had to use that wellness plan amount before the next renewal or the amount would be forfeit. Embrace please dont raise the renewals... Thank you!!!
Insurer: Embrace
By: CB
Very easy to submit claim
Very easy to submit claim. Returned a response quickly and was able to receive appropriate refund within a standard period of time.
Insurer: Embrace
By: Monisha
Easy to submit claims
Vet Clinic told me they like working with Embrace Pet Insurance. It was super easy to submit my claim.
Insurer: Embrace
By: Ginger Daniels
Great customer service
The custom service is excellent. They always have solutions for what ever issues I seem to have. My payment was updated immediately.
Insurer: Embrace
By: lynn
Super easy in stressful times
Submitting a claim to Embrace is a breeze, especially in times of crisis. Great customer service!
Insurer: Embrace
By: Sarah Kelly
The service is absolutely great.
The service is absolutely great.
Insurer: Spot
By: Jeffrey McKibben
Easy to submit claims
Easy to submit claims. Claims were processed quickly.
Insurer: Spot
By: Anelis Negron
Love this company
This company is great. It had reimbursed me fast and amazingly easy to file claims. 100% recommend Spot.
Insurer: Spot
By: Aileen Santos
I'm glad you can upload information on…
I'm glad you can upload information on line, but the process could be a little more user friendly when doing more then one claim for the same injury. I'm hoping everything when in O.K. Bill & Kael James Cat - Poche
Insurer: Embrace
By: Bill James