Embrace Review
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Reviews 10263 
Frederick & Mary Beyne
Easy to navigate even for 74 year old.
Easy to navigate even for 74 year old.
A “H”
Very easy submitting a claim
Very easy submitting a claim. Happy with the service I have received so far.
Harry
Easy to submit claims but there aren’t…
Easy to submit claims but there aren’t a lot of choices for a diagnosis. And I don’t understand why it should take longer.
Jennifer
Confusion set in but it turns out to be…
Confusion set in but it turns out to be not complicated. So, the 4 stars is a beginners experience.
Tammy McG
I've been using Embrace for about 8…
I've been using Embrace for about 8 years. It's been great as far as having the easiest submittal procedures. Their rates are very reasonable compared to a lot of other pet insurances. One thing that sometimes irritates me a bit is that the website is slow. Little 'space dog' sometimes takes his sweet time in changing pages. Otherwise, no complaints!
Heather
Lots of experience
I have had Embrace pet insurance coverage for 2 dogs and 2 cats over the last 7 years. I did not find coverage for the cats worthwhile so I dropped them from my policy. I also did not find the Wellness Program worthwhile as it's basically a "savings account" specifically for pet use but if you don't use it all (like FSA funds), you lose it. It was frustrating to see my coverage increase substantially as my dog aged, but whenever I needed to use the insurance, Embrace came through. The claim submission process is super easy and when my Sparty's time with us came to an end, the Embrace staff was incredibly compassionate. Cancer took my best furry friend rather abruptly, but the outpouring of sympathy was much appreciated. Thank you, Embrace.
Tonya Tipton
I have been using Embrace for quite…
I have been using Embrace for quite awhile now and they have been extremely good for all my animals. I have had to file a number of claims and I have never had a problem with them. The only holdup I have ever had was because the veterinarian neglected to put something in the paperwork.
DAN CONTRERAS
Great customer service and explanation…
Great customer service and explanation of benefits
Katherine Taylor
My representative was so informative
My representative was so informative. I appreciate her time explaining in detail what the insurance covers. A satisfying experience knowing my dogs and soon litter will be protected by a good insurance company that meets your needs and budget friendly I will recommend to new owners of my puppies as well
Dominic Campanelli
Simple process
Simple process. I'll be more please when the claim is accepted.
CeCi L.
Happy after 2 years
I have been with many different pet insurance companies, and I am extremely happy with Embrace. The rates are very reasonable. Just like ANY other pet insurance it's all on what YOU choose for your pet on coverage. You can have $10.00 a month up to $500+. I have 2 pets on Embrace and both pets I have high coverage on them because I CHOOSE too. Now the refunds are quick returns. Customer service staff are professional. Everything is self-explanatory on the paperwork that has been sent to me or if I look online. Again, if you don't understand something call customer service. I have had no problems with anyone, past or present and I have been with them for 2 years so far.
Barbara Cazanave
Submitting a claim is easy and being…
Submitting a claim is easy and being reimbursed is quick. All my questions were answered with satisfaction I’m glad I insured my pets with Embrace.
Lori Barto
easy claim submittal
easy claim submittal
Jeff Zimmerman
I had help from two different gals
I had help from two different gals, they each were very helpful and sweet!
Kim X
They keep raising prices with out…
They keep raising prices with out notice! I haven’t use this policy not one time!
ed Bednarik
Long Term Customer
Have been insured by Embrace for 2 different Pets for 11 years. 6 years with Ali all experiences have been excellent.
William H
Great Customer Service
I reached out to them to figure out what additional information was needed for a claim. The representative stayed on the phone with me while she checked it out and called others. Within 24 hours I received a detailed note explaining the process and my policy. They did a great job.
Dennis Williams
Great pet insurance
Great pet insurance. easy to submit claims and quick payment
George Barker
Embrace has been easy to deal with
Embrace has always responded quickly and and clearly answered any questions I have. They have promptly paid and he covered reimbursements. Everyone I have dealt with there has been friendly and helpful.
Priscilla Long
Embrace pet ins representatives were…
Embrace pet ins representatives were very prompt and helpful, friendly and caring. This was our first time getting pet insurance and they made it easy no stress! The claim process was quick and easy and I got my reimbursement within a few days.Im so glad we chose Embrace!
Cecilia Cardwell
Submitting claims online is super easy…
Submitting claims online is super easy w/Embrace. For the most part, their reimbursement amounts are pretty decent, & their customer service on the phone is very good. However, I just hope that they don’t jack up their monthly rates again in the spring like they did this last spring when my policy renewed. Fortunately, I was able to raise my deductible and bring the premium back down to a reasonable level….
KATHERINE ROMANO
Embrace makes it simple…
Embrace makes it simple to file a claim. You only have to upload the vet bill and that’s it. 😊
Samantha Sokolowski
Great customer service
The embrace team was helpful and polite every phone call I made to them. I appreciate the quick communication from them and always keeping me updated throughout my claims process!
Floyd Noel
Had several claims quick response
Had several claims quick response. Embrace seems to care about Gunny, no argument about paying for needed care
George Selekman
Easy to use every time for almost 11…
Easy to use every time for almost 11 years.
Mel Hamilton
They’ve been reliable
They’ve been reliable, fast, and compassionate every time I’ve needed them. Filing claims is simple, reimbursements come quickly, and their team truly cares about pets and owners. I feel completely supported and confident knowing my dog is protected with Embrace. Highly recommend! 🐾
Joel
Easy claims process
Easy claims process, good customer service.
Leona Jordan
I love this insurance
I love this insurance. It gives me a piece of mind that if anything happens to Dolly she's protected
Amber
Best Pet Insurance out there!
The Embrace Pet Insurance web page is very easy to use. Making a claim takes under a minute and they are very prompt with reply’s and reimbursement. This company knows what they are doing and it makes my life less stressful! Thank You Embrace!!!
Pam Backofen
Always fast with claims
Always fast with claims, friendly, knowledgeable employees that seem to sincerely care. I’ve been with Embrace for over 12 years and several Boxers. They’ve never let me down. I 100% recommend Embrace to anyone/everyone that wants to help your pet and your pocketbook in the best health possible.
Jon Jaravata Jon Jaravata
Customer service is exceptional.
Customer service is exceptional.
Cj
Very happy with Embrace
I have a senior dachshund who has frequent visits to his vet for skin, ear and heart issues. Embrace responds to my claims and reimbursement is directly deposited in my bank account within a few days. Also, Embrace makes it very easy to file a claim on line. Very happy with our choice of pet insurance.
JA
Easy to submit claims,
Easy to submit claims,
Derek Hart
Great experience every time
Great experience. In reading so many other reviews, I suggest people get this insurance from the start, and never lapse on their payment. Very low chance of difficulty then. They get on it very quickly!
Loretta Lighthart
Wonderful expedient experience and reimbursement
I’ve had embrace pet insurance for many years now and my 10 year seven month old golden Shepherd was diagnosed with congestive heart failure an arrhythmia. Embrace has been wonderful about reimbursing me for all the medicines and Cardiology appointments.
Amy Gibson
THEY ARE FAIR
THEY ARE FAIR
Karen
Easy filing claims Customer Service is…
Easy filing claims Customer Service is great I feel I’m getting the best deal for Pet Insurance for my dog
Laura Withrow
My dog needed surgery for a luxating…
My dog needed surgery for a luxating patella. The claims were very easy to file online and I received reimbursement within a week. The surgery costs with preop appointments was close to $4000, so I was very grateful to have the coverage. The only complaint I have is about the increase of premiums after the first year. The coverage was well worth it though
Dorothy Morrissey
User friendly site
User friendly site
Mary Ann
Totally awesome company,
Totally awesome company, My fur baby was very sick with pancreatitis and when I took her to the veterinary clinic, it was a total relief not to worry about the cost, I just told them do what needs to be done. I sent them a photo of the bill and in a few days I was reimbursed my 90%, it cost me. 100.00
Shawn Simmons
Simple claims submission process from…
Simple claims submission process from website.
Diane Schmidt
When I signed up they requested my dogs…
When I signed up they requested my dogs history needless to say didn’t know they hadn’t received it until I needed to use their insurance and are unreasonably denying to pay for a lump deemed nothing to worry about from two vets, so now will not cover bumps or cancer this is how they get out of coverage. Very unhappy . Beware
Susan Goskowitz Tomka
I just insured our new kitten that we…
I just insured our new kitten that we got and the process was very easy and fast and the cost is nicely laid out , so far I am happy , let’s see after I use it.😃
S.A.
Kind Assistance
For financial reasons I needed to cancel my insurance after not using it for years. The customer service rep offered me an extremely reasonable accident insurance change for my sweet cat. Thank you!
Ruth Tarbell
Disappointed-confusing and costly
I signed up a year ago because I liked the flexibility of customizing my own plan which most other providers don’t offer. Positives: customer service is excellent, very helpful, friendly, knowledgeable; website for filing claims is easy to use once you become familiar with it. Negatives: long learning curve and no training of how to use the website and provide an overview. My biggest complaint is the lack of clarity from the agents while choosing my coverage. It was my understanding that adding a wellness plan would cover all exams and medications, so I waived that coverage from the accident and illness plan. Turns out I was wrong. My advice would be to take great care when discussing coverage with their agents, particularly if this is your first time buying pet insurance. It can be very confusing. In the end, my analysis of the cost of the insurance versus what my OOP would have been without it was that I would have saved a few hundred dollars without it, even with one of my cats becoming sick with pancreatitis requiring lots of tests, meds, and prescription food. So, while my experience was positive on some points, I would recommend taking a chance on your pets’ health and pay the professionals for their service if they get ill, rather than throwing money at a third party that may not cover your costs.
Aloise Angela
Fast and easy
Fast and easy
customer
6 years strong
We have had embrace for 6 years now for my Frenchie. In general I am quite satisfied with them. Have had a couple issues over the years, but always willing and able to help fix things when I call. It certainly does give me peace of mind as he gets older.
Renee Gentry
They are just thee Most caring…
They are just thee Most caring insurance place , EVER !! They help you with EVERYTHING that's concerns your beloved pet , who's family.
Ed Kaatz
Very impressed with the customer…
Very impressed with the customer service and the quick response to our pups needs.
CarolTheArtist
Integrity
i continue to be impressed with the integrity and speed of reimbursement from Embrace Pet Insurance.
Charles
Easy to submit claim.
Easy to submit claim.
Sean Leary
Great service
They processed my claim quickly. It was surprisingly easy and I'm extremely grateful for this service. Although the annual deductible is quite high, they still saved me allot of money. Would highly recomend.
Linda Leach
Embrace is quick to respond
Embrace is quick to respond
FJ
I've used Embrace for 6 years
I've used Embrace for 6 years! Embrace continues to provide exceptional insurance coverage for my two pets. The reimbursement process is easy and quick. I highly recommend and appreciate their customer service.
Joel Martin
Great Insurance but Software is below par
Embrace has been fantastic in their coverage of our 2 Golden Doodles and our newest member of the clan, a 4 month old Tortoise Shell kitten. My only criticism of Embrace is their Web Site. The software seems to hang up and not submit the claim at times. Perhaps a software upgrade would be a great idea?
customer
Ease and reliability.
Submitting a claim is incredibly easy and takes barely a minute. The website is very user friendly for this. Approval does not take very long, and direct deposit is usually a 2 week turn around. I wish my own health insurance was as up front, user friendly, and reliable, honestly. Embrace has literally been a life saver for my dog Ernie. Choosing Embrace for my dogs' policies was one of the best decisions I have ever made.
Barbara A. Offer
I have always received excellent…
I have always received excellent customer service when inquiring about a claim but, in a few instances, received the expense sooner than expected. Embrace is No. 1 for me. Thank you for your excellence!!!
Tony Latina
Friendly service
Friendly service
Nick C.
Very reasonable and fair treatment
Very reasonable and fair treatment. Much better than what I'm used to with pet insurance.
Tiana Brown
Very easy to work with!
Very easy to work with!
CJ
Great Pet Insurance Company
Sami and Hans now have 100% illness protection. Couldn't be happier! The claims process is very easy and the Embrace Team is wonderful! Thank you, Embrace!
Steven
Easyclaim processing.
Very easy and fast claim processing.
Wendy Leigh
Love this insurance
Love this insurance. Simple, fast and gives you great peace of mind in pet care
Frank Paladin
Kudos to Embrace
Embrace is a great company with people who are knowledgeable, caring, compassionate and highly competent.
RHEETA
The rep Veronica was very understanding…
The rep Veronica was very understanding and looked into my issue and was able to solve it I have been with Embrace over 15 years and it cane in handy when Rowen was bite by snake which required him to stay 3 days in the hospital. Thank g-d he was gummy covered I have two policies the Wellness policy and major medical I always adj pet owners do you have pet insurance either they say never heard of pet insurance or they say why should I have it. That’s when I get on my soapbox Thank you EMBRACE Rheeta and Rowen ♥️
Caitlin Donovan
Fair and transparent policies.
The process to submit claims is easy. What they cover aligns with what you signed up for. They always explain things clearly and when there is coverage, they send the funds promptly.
linda johnson
Embrace is the first and only insurance…
Embrace is the first and only insurance I signed up for my fur baby. I never wondered if I got the best insurance for my fur baby. I can't find any reason not to be satisfied. I'm happy with all my claims responses and reimbursements. I highly recommend Embrace Pet Insurance.
Sharon C
Long time happy customer
Long time happy customer My cavalier has been covered by Embrace since puppyhood. He's now 12 years and it's been quite the ride: he's a wonderful dog with lots of medical problems over the years. I've been very happy with the coverage Embrace has provided for his emergency care.
Rancho Santa Fe
Embrace makes it so easy
Embrace makes it so easy. I will always use Embrace for all my pets. Rarely are there any rejections. We live in a very rural place my dog is always getting hurt. So we embrace Embrace pet insurance. Thanks for your love.
Katherine Emert
The ease in submitting the claim
The ease in submitting the claim. Easier than doing anything for humans.
William Pagonis
easy to follow submission process
easy to follow submission process. if i have an issue , i just call embrace for guidance
Jeanette Villegas
Embrace Pet Insurance is the best…
Embrace Pet Insurance is the best insurance available. Their policies are comprehensive, you can tailor your plan to fit your budget and they expedite your invoices in a timely manner. Their customer service is second to none.
Kelly D Carrera
Beyond grateful to Embrace Pet…
Beyond grateful to Embrace Pet Insurance!! Not only their customer service is unbelievably amazing but having insurance for my little guy who has a very sensitive stomach, has been a life saver when it comes to medical visits!! I will never get any other insurance. Embrace is the best!!!
Finocchio Finocchio
Embrace Pet Insurance has given me real…
Embrace Pet Insurance has given me real peace of mind. Claims are handled quickly, and the customer service team is incredibly supportive. It feels like they genuinely care about pets and their families. A fantastic choice for responsible pet owners in the UK.
Craig Mytton
Vets did a great job!
Vets did a great job!
Grammy G.
Simple and Intuitive
Very easy to navigate and did not take much time at all.
andrew
seems to bescrimping on IT, customer service. Non on the billing dept. thoughilling dept
Long wait for customer service to answer the phone. When they did, they could not be of help because IT is not paid to work on weekends for embrace. It took five days for me to find a way to pay my bill.
Dalia King Official
We have a lot of claims already…
We have a lot of claims already submitted, but we only received 2 payments from them yet. I dont know if this company is recommendable.
Morri-Lyn Davis
Great Customer Support
I had a small issue with having to change information in my account. I called customer service and had a flawless experience. The change was effective immediately. The representative was extremely helpful and always kept me informed. No complaints from me.
JAH
I highly recommend Embrace for pet insurance
Everyone I spoke with at Embrace while filing a claim was very professional, patient and friendly. I highly recommend them
Heather Hume
It is a reall seamless process to…
It is a reall seamless process to submit claims and rapid turnaround time for reimbursement (<1 week). Excellent service highly recommend!
customer
Best Pet Insurance
Embrace is the best pet insurance for my 2 dogs. I have two other pet insurance companies in the past, but Embrace is by far, the best
Dawson Gilmore
Excellent Coverage and Friendly Service
I am very happy with the level of cover and how easy it is to manage everything online. When my dog needed treatment, Embrace helped without any hassle. The staff always respond with kindness and understanding. Truly a company that stands by its promises.
Ms. Mears
Claims covered as expected, reimbursements provided promptly
We have now filed four claims on our pet insurance. I have been so impressed with how easy it is to file a claim, how quickly the claims get processed, and how straightforward the coverage has been. I was definitely worried that the claims adjusters would be looking for ways to avoid paying claims. But things have been covered exactly the way I expected them to be with no sneaky loopholes or unexpected exceptions. our reimbursement payment once we met our deductible landed in our bank account within the same week that we filed our claim. We even had one claim that needed to be reviewed because it appeared possible that our pet was being seen for something that had been an excluded condition. But the claims reviewer took a thoughtful look at the chart notes and realized that our pet had a passing, contagious illness that was not related to any sort of pre-existing condition and they went ahead and covered the visit.
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