Embrace Review
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Reviews 10523 
Felice Dreyshner
Had this insurance for the past year
Had this insurance for the past year. Dog was never really sick so obviously had no issues.their insurance is great as long as you don’t really need it or file any claims. However with some recent health problems I decided to try and make some changes to our policy. Was told if I did this it’s considered a “restart” and any health issues that occurred after the start of my first policy would now be considered pre-existing condition and wouldn’t be covered. Only option was to cancel. Anyways was able to build and customize my new policy over at Figo with no issues.
Stephen
Initiating a new pet insurance policy…
Initiating a new pet insurance policy was easy and quick and I found a premium that was half that of Pumpkin.
Dr Matt Phillips
Pet insurance is for peace of mind
I bought the insurance to cover the emergency situation where you get a bill that could be thousands of dollars. I didn’t want to be faced with making that decision on the spot. Our new dog had a laceration needed emergency surgery. The process was easy to file a claim ;you do it on your phone. There was a mistake in the processing, but they corrected it quickly. Once corrected I sent follow up bills every four days for dressing changes and they processed them within 24 hours. My expectations were met and I’m glad I bought it to be perfectly honest. Pet insurance is not necessarily financially a win. The problem is you have a pet that develops a totally unexpected problem that could run anywhere from 1 to $8000. You have to decide on the spot. You don’t want to be in the situation of saying I suddenly having to come up with lots of money or taking your pet home for comfort care. The purpose of the insurance is for the unexpected catastrophic problem. If you’re buying it for routine care, I would not recommend it.
Kevin Wayne Stewart
Outstanding support
Outstanding support. I appreciate the quickness and the relief of knowing what was covered.
Hulagal
I was pleasantly surprised with the…
I was pleasantly surprised with the professional customer service and support I received from Ash(pet insurance agent). I felt comfortable and completely satisfied with his help in obtaining my new pet insurance. And I was also happy that Embrace offer affordable pet insurance for my dog. Thank you 🙏🏼
Phillip Baggett
Excellent
Excellent, compassionate service. Easy and efficient claims process with a great website. Will insure my other cats here soon.
Dave
Helpful
Helped me select right plan for my needs.
Robert
All of my questions were answered and…
All of my questions were answered and it was explained to me on how the policy worked
Alexandra Ashi
Affordable pet insurance
I had a difficult start with embrace and a very stressful back and forth for months but Marisol and Shelby were very helpful although I was very frustrated at the point of me speaking to them. Make sure to have them run all of your medical paperwork that you submit at the beginning of your policy or else they will not do it and you may run into issues when you finally need to submit a claim months down the line 🙏! Even without knowing this know Marisol or Shelby will handle your case very well and with care
Robin Kutscher
I just enrolled my dog so I can’t…
I just enrolled my dog so I can’t address the claims process but the agent was very patient answering all of our questions and getting everything all set up
Tedd
I’ve been with them since I adopted my…
I’ve been with them since I adopted my dog I believe now 3yrs ago. For the most part he’s been healthy except for a couple times when he got into a coffee pod which required an emergency vet visit which was quite expensive I met the deductible and they paid quickly. Their customer people have always been very friendly and helpful. I did have to lower my reimbursement rate due to the higher rate increase. I do like the wellness policy as it covers all his vaccinations and even his dental chews. I know what to expect from Embrace and will keep them.
Barbara Williams
We have had both of our boys covered by Embrace for several years now. They have consistently been responsive and reachable. I appreciate being able to talk with a live human being when I call.
We have had both our boys covered by Embrace for several years now. Their agents are quick to respond, and I appreciate being able to speak to a real human being every time I call. Claims are usually processed within a day or two, and my refund appears in my bank account just as quickly. I had a glitch with a claim a week ago, but they think it was a technical issue which they are working to correct. Meanwhile, my claim has been processed. I can confidently recommend Embrace to pet owners.
Ronald Greene
Outstanding service!!
Outstanding service!!
Marta Zamora
phone call
great conversation with my phone person
Californian
Being a mommy of 2 pups
Being a mommy of 2 pups, I have some issues to address to the insurance periodically and always receive needed support and help. The customer support is patient and knowledgeable with all requests and replies in timely manner. Receiving a help from 3 representatives so far, I'd say that this one of the best customer support experience in the last 5 years. Unfortunately, I was unable to increase annual insurance coverage for one of the doggies without complete resetting it, but this is most probably a common policy for all insurances.
Nicole Wallace
Customer Support
The lady I talked to on the phone was incredibly charismatic and helpful with all of my questions. I couldn’t recommend them more!
Susan Smith
Help in adding an additional benefit for my second dog
I had specific questions about adding a benefit for my second dog, a puppy, and the customer service representative was helpful in guiding me to make the choice that was right for me.
Margaret Willis
BE MORE SPECIFIC ABOUT WHAT DATA IS NEEDED
Emails from Embrace are non- specific about what is needed to completely finish processing the claim. A phone call is needed by the policyholder to determine what is needed. Often after 2-3 submissions, the claim is still not processed. I am now calling again for the 3rd time about a claim for over $1,000 from January9, 2026.. The needed data was sent by both my vet and myself..
Lisa
Be aware
Most of the customer service representative were helpful and nice. However my bill increased by $45.00/month. My plan is expensive and does not even include wellness visits. When I first became a customer, they labeled my 6 pound Yorkie vicious, and my other Yorkie with anxiety because he needed medicine once for a car drive to Florida for motion sickness because he vomits un the car. They just label your dog so the company does not to cover any potential/future issues. My vet records never used words or implied that my dog was anxious or vicious. I’m in the process of shopping around now for new insurance.
Maribel Johai
My first claims ever
I had some questions about my claims so I called the Claims department. The rep named Veronica was awesome. Very knowledgeable and fast when answering all my questions. The experience was extremely positive. I would recommend the company to anyone if my first interaction is the standard. Very grateful. And my claims were process efficiently and fast. Thank you.
Emma Dog
Great representative + fair prices
Great representative! Easy to enroll - fair prices + flexible coverage options!!! :)
K. E.
Coverage conditions are very clear from…
Coverage conditions are very clear from the very beginning. The claims process is efficient and fast. Amazing customer service agents when you need extra help.
Lopez
Embrace Pet Insurance is worth it.
December 29, 2025 our dog was not feeling well. Took her to the Vet to find out she has diabetes. This required a 3 night hospital stay, insulin shots, a change to prescription dog food and weekly monitoring for first 3 weeks. Thanks to Embrace we knew we would see a reimbursement for 80% of the cost based on the policy we signed up for. Embrace has always paid with no issues. We are thankful to have Embrace for our pet.
michael coringrato
Been using them for 4 years and never…
Been using them for 4 years and never any issues. Every once in a while a bump in the road but over great customer service
Mark Mattea
Just great experience
Just great experience
Marylou Hernandez
I’ve had Embrace pet insurance for a…
I’ve had Embrace pet insurance for a few years now and the reimbursement time was really good after all information was gathered. I had to downgrade to a lesser level due to my financial circumstances. The customer service agent was very helpful in helping me choose plus he explained the alternate process so my kitties wouldn’t have to go uninsured. I really appreciate that.
Holly McCourt
Knowledgeable customer service and…
Knowledgeable customer service and kindness and compassion.
Virginia Garcia
Embrace is a very good pet insurance
Embrace is a very good pet insurance. Claims are processed quickly and customer service has always been good. But like every insurance out there, after the first year, the premium increases considerably.
Francesca
Excellent customer service in…
Excellent customer service in correspondence and turn around time!
Consumer
Customer service is quick and helpful
Customer service is quick and helpful! We tried going through Costco or Sam's Club to lower rates, but since we are prior/current customers our rates would have gone way up. Each time we get a pet, we get them covered w/ Embrace.
Cindy Rahal
Embrace is the best!
I love having Embrace pet insurance for my cat Gracie. Every claim I've ever made was either paid the same day or the following day. I would recommend them to anyone that has a pet. It's one of the best decisions I've ever made. They are the best!
Robert Stipano
Claims Dept does everything to delay…
Claims Dept does everything to delay snd possibly to deny (Appears). I almost have to call several times in claims to get issues resolved Oversll the staff are courteous and good listeners but there in my view a claims problem. Costly and not getting what we signed up for . 🙏it gets better Please
Nicholas Nibler
Great customer service
Great customer service! They addressed all of my questions promptly and completed the claim within 2 days.
RB
Great service!
Great service!
Wally Orechia
Excellent customer service and support
Called about a concern I had regarding a new claim customer service.Got the earrings.As for me that I needed and was so understanding and polite. Customer service is a key reason for any business to stay Good, and they definitely are doing it
MARCIE GUTHRIE
I have had a wellness claim pending…
I have had a wellness claim pending ever since December for one of my dogs. The company kept asking me for verification of a heart murmur that supposedly occurred June of 2023. My pet was not born until October of 2023. Once I had that cleared up they came back with required verification for a sedative that we give our boy for hyper activity. I would not recommend this company to anyone.
Bobbie Jo Allen
Priceless Peace of Mind
The people at Embrace are easy to deal with and customer service is always great. The policies are very adaptable and response time is quick. I had a serious issue with reimbursement but they fixed the problem instantly and made sure I got the correct solution. Peace of mind for my dog who seems to find trouble in off vet hours—so worth it. Thanks Embrace.
Michelle Dent
Great customer servjce
Customer service is courteous, friendly and professional. Made an error on a claim and had to refile and the process was very smooth and handled expeditiously with updates provided in a timely fashion. Very satisfied customer.
Mimi Parks
Offers a lot but the process and refund process take to long
Offers a lot but the receiving , reviewing & process and especially the refunds take to long . Im thinking of finding another pet insurance company
Joseph Velez
All questions answered
All questions answered. Extremely courteous staff. No BS.
Susan Seasholtz
Incredible customer service
Jeff was wonderful! He explained everything, answered all of my questions, made suggestions based on my individual cats, and was so very patient. The customer service is so far exemplary.
Jim Sims
Caring People
I had some problems with the Embrace website and questions about my policy renewal. I was connected to Anna who spent about 45 minutes with me going over both issues. Not only was she professional and helpful, she was very compassionate about my dog's health issue. This is why I would never choose another company over Embrace.
Hannah Caebre
Premium doubled in one year
Working with this company was mostly a good experience, but only for one year. The support staff is always kind and professional, the website is easy to use and I was reimbursed quickly for claims I submitted. However, my premium DOUBLED after one year. A 100% increase in cost is outrageous and now I can't keep all my pets insured with this company.
Elissa Fritcher
Fast claim processing
Quick communication and claims processing.
Alicia Neppl
My pets are family, and Embrace treats us that way!
I honestly can’t say enough good things about Embrace. Dealing with vet visits can be so overwhelming, but every single person I’ve spoken to at Embrace has been an absolute gem—so kind, genuinely empathetic, and incredibly knowledgeable. You can tell they aren’t just reading from a script; they actually care about you and your pet. What really blew me away is how much stress they take off my plate with their mobile app. I used to dread the idea of insurance paperwork, but the app makes the claim process so fast and easy. I just snap a photo, upload it, and the team handles the rest. It’s such a relief to have a company that combines a true human touch with technology that actually works. It is also such a comfort knowing that the financial side of my pet's care is one less thing to worry about.
Chanda LeVasseur
Excellent customer service and while…
Excellent customer service and while the premiums do increase yearly, it’s just the cost of business. I love the ease of submitting claims and as a 10+ year customer I’ve seen their intentional efforts to implement innovative processes and resources to meet the needs of its customers.
Katie
Super quick turn around time and…
Super quick turn around time and response, with clear details
Ambrose Contreras
I have used Embrace for a few years…
I have used Embrace for a few years now. They are reliable and have been true to the contract agreement. I am satisfied and will remain a customer for the foreseeable future.
NICOLAS
They kept up with the claim with me by…
They kept up with the claim with me by email and were very nice on the phone
Sarah
Respect and responsive to Policy Owner's Concerns
I am a new policy holder with Embrace with recommendation from my USAA policy request. As is standard practice Embrace was thorough and diligent in reviewing my pet, Sophie (a 3 year old lab) history and reporting their assessment. It contained two pre-existing conditions one of which was an error from my SPCA. The representative made it clear what the conditions were and how best to communicate any errors. After considerable time, the Vet finally responded to Embrace recognizing the error and requesting a removal of the Dental preexisting condition. I am completely amazed how promptly this was accomplished by Embrace. And appreciated Thanking me you for my patience as we got to the bottom of this case and of course, thank you for continuing to choose Embrace. I have complete trust that requests of my policy will be assessed, analyzed and responsive with the utmost professionalism and respect for my concerns.
Tarre Beach
I love Embrace Pet Insurance
I love Embrace Pet Insurance. I've had Illness and Injury insurance for my cat since 2014. Embrace has been helpful and given me all the info I need to get his treatments reimbursed (sometimes I get reimbursement in 2 days!). If you have a pet, get Embrace Pet Insurance, it's worth it!
Glenn
very fast response to my pet's claim
very fast response to my pet's claim
Valerieford
I don’t want to sound like a sponsor or…
I don’t want to sound like a sponsor or something, but Embrace is so amazing. I just had a vet visit 2 hours ago, submitted my claim 1 hour ago, and just got a notice that it was approved and my refund is going to hit in the next couple of days. They’re always so quick and it’s been such a relief to have. When one of my dogs needed dental care, they covered the 80% that they said they would. If I had to cover that myself it would’ve been $4,000 out of pocket. Thank you for being so amazing!!!
RB
Quick action on a claim
Quick action on a claim. Claim was submitted and within 1 day it was reviewed and a check was issued.
Scott Stern
Representative was very helpful
Representative was very helpful. Knew what he was doing. Answered all my questions.
Bernadette
Great customer service
I needed further explanation of some of my cat's benefits. I called Embrace Insurance and spoke to two very helpful and patient women who guided me through the whole insurance policy. It made my job of deciding the best care for my cat much easier. I have never had a problem with Embrace Insurance.
Edward
Claims are easy to submit when I had a…
Claims are easy to submit when I had a problem it was quickly resolved.
Cathy Muri
Quick to pay claims but hard to cancel
Embrace was fairly quick to pay benefits but the policy price increased every year and at a pretty large amount. I understand vets aren't cheap but my biggest issue was cancelling my policy was very difficult.
Pat Devlin
I modified my policy because it was…getting too expensive
I modified my policy because it was getting too expensive. The modification was recognized by Embrace but I was still charged the higher amount.
Gustave Wandland
Sarah and Channel it’s a pleasure to be…
Sarah and Channel it’s a pleasure to be with you ensuring my pet Dog Estelle gets the best care.Great customer service they helped pick plan being I just signed up.
Shannon Skillern
They have been great insurance for my…
They have been great insurance for my Yorkies with quick reimbursement and explanations of what is or isn’t covered. Telephone support has been great as well.
Jennifer Morgan
Really exceptional customer service…
Really exceptional customer service every single time
Ronald Smith
Fair
Originally I have problem with my claim. After talking with them, it turned out to be a miscommunication and the claim was settled. Fair people, willing to listen. Recommend
April Kempton
Embrace Pet Insurance is amazing!
Embrace Pet Insurance is amazing for many reasons, especially their customer service! Thank you for helping me figure things out, and thank you for insuring my kitty cat!
Anthony Parrott
The process was simple and fast
The process was simple and fast. I appreciate the simplicity and the quick turnaround in receiving payment. I can’t say enough good things about Embrace and my experience during my time of need. Thank you!
Victoria Chaney
Filing a claim is easy
Filing a claim is easy, directions on the web site are good. When you have a legitimate claim, they pay quickly.
Clyde Mayson
Follow-up on Veternarian identification…
Follow-up on Veternarian identification was required. Company employee was very helpful and that was completed for application.
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