Embrace Review
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Reviews 10463 
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.
Ronald Greene
Thes service that I received was most…
The service that I received was most excellent
susan s
Helpful and Personable Customer Service
My interaction with customer service when I couldn’t get the expiration date for billing to change was an easy and pleasant experience as all my interactions with Embrace have been. The person who helped me was extremely personable and helpful.
Leslie Hafter
I filed three claims at the same time
I filed three claims at the same time. One claim is still pending info from the vet, so I won't review that one. One claim was reimbursed as expected - 5 stars for that. The other claim was reimbursed at about 20% of the total - much lower than expected. I sent a follow up asking why the amount was so low and still have not received a response. 1 star for that.
Sergio Rivera
Once I submitted the requested…
Once I submitted the requested documents everything was good and quick
Tom Taylor
Our 5 yr Aussiedoodle01
Our 5 yr. old Aussiedoodle has had his share of claims and Embrace has been a lifesaver to us. We weren't sure if pet insurance was affordable or necessary, but it has proven to be both.
Elizabeth Francis
Forever waiting
I have been waiting for a review of my submitted claim for almost 3 months. After I tracked down all the information Embrace requested to rule out a pre-existing condition, I continue to wait on their response. Don’t waste your time trying to reach a human on the phone. The wait is almost always over 1/2 hour and it could be more but I always end up hanging up. Additionally, the website always has glitches and redirects me to an unresponsive page. I’m not sure what’s going on with this company but I’m willing to wait and see how they respond to my claim.
Janet Underwood
Embrace has been easy to partner with…
Embrace has been easy to partner with for the health of my cat. When my boy passed away, the Embrace staff were professional and supportive. They were always prompt with claim payments. When I called to remove home from the policy, I was immediately refunded that month’s prorated premium (I was not expecting that).
Keith W
Renewal for our 5 year old dog with…
Renewal for our 5 year old dog with zero claims for the last 4 years was DOUBLE last year's premium. When I checked a quote as if we were a new customer it was barely half. When I called to talk about it, the rep had no official answers. But it turned out if I change anything to "reset tenure" then with a small waiting period the quote would be cut nearly in half with no significant "pre-existing conditions". Feels like dealing with shady company (like all insurance companies) that will happily over charge you like this. The rest of the service has been good, the website and information provided so 3 stars.
TY
Always helpful and friendly
Always helpful and friendly
Elizabeth Morningstar
Exactly as advertised!
Website is very easy to use. Our claim was for a planned surgery. Submitted pre authorization which as approved within a week. It only took 2 days from submitting the claim to receiving the reimbursement. I wish my medical insurers were this good.
George Horowitz
Mostly posive experiences with claims
Mostly posive experiences with claims, but the submission process is a little glitchy and annoying.
Ann Marie Cioffi
Generally Great Customer Servic
Embrace generally is quite easy to negotiate regarding submitting claims on line (or by mail) and the customer service people are almost always polite, respectful and helpful. Tonya was excellent. I've had just one experience (actually twice with the same person) that has been off-putting. Otherwise, always easy and nice to deal with.
Bill Ward
Very caring about your pet’s needs
Very caring about your pet’s needs. Professional service when you need it most as you manage your pet’s illness or injury.
Kenneth Ellis
This is our third year with Embrace
This is our third year with Embrace. The web site is so easy to use and claims are always resolved with one to two days. Your reimbursements are back in your bank account quickly. They are dedicated to taking care of your pets. I messed up one claim by using the wrong year and instead of just declining my claim they saw my mistake and fixed it themselves let me know where my mistake was and continued to resolve and reimburse me for my claim. They are all friendly, outstanding representatives who are truly there to help you take care of your pets.
Analyssia Pacheco
Embrace has always been very good to me…
Embrace has always been very good to me and my pet. They are very helpful and response quickly when I have a question about coverage. They also process my claims in a responsible time.
Miranda Aleksiak
I’m not super in love with Embrace
I’m not super in love with Embrace. I feel as if they are slow in their claim review. My vet’s office is overwhelmed so I have to get my records from them to submit to Embrace but have had to, on more than one occasion, sent a reminder through the portal to take action on the review. I also think that their disclaimer review is sweeping and punative to older dogs adopted out of shelter.
Jackie Mattson
first call to customer service
My first experience was calling about an email request for information. The customer service rep was extremely nice and helpful and took care of the issue and explained next steps. Very good experience. Hope all dealings with Embrace will be as good
Debra Julian
The process took longer than i thought…
The process took longer than i thought it would, but everything went well.
HOFFMAN/MARIE THERESE
I was flabbergasted that a very large…
I was flabbergasted that a very large bill was immediately covered and I was told the check was in the mail. They actually do stand behind their product!!
Mystic Shotz Mizticblue
The best billing customer service
The best billing customer service, I have dealt with.
VICTORIA SINDONI
Saving Bella
5-Star Review for Embrace Pet Insurance I can’t recommend Embrace Pet Insurance highly enough—it’s been a true lifesaver for my beloved cat Bella, and I wish every pet owner knew about it. Bella has been insured with Embrace for over 11 years. For the first 10, she was the picture of health—never a single claim—and I nearly canceled the policy to save money. I’m so grateful I didn’t. Just months later, Bella was diagnosed with small cell lymphoma (SCL). We sought specialized treatment at Cornell University Veterinary Specialists for more than a year, and today, I’m overjoyed to say she’s in full remission. During that time, she was also diagnosed with hyperthyroidism and gingivitis, adding to the emotional and financial strain. My plan has a reasonable $100 deductible, 80% reimbursement, and up to $10,000 annual coverage—perfect for comprehensive care without breaking the bank. Embrace covered diagnostics, chemotherapy, medications, specialist visits, and follow-ups promptly and fairly. Without this insurance, the costs would have been overwhelming, and I honestly don’t know if I could have afforded to give Bella the fighting chance she deserved. It might have forced a heartbreaking decision no pet parent should face. What sets Embrace apart is their exceptional service: claims are processed quickly (often with direct deposit), medications are covered without hassle, and their staff is genuinely friendly, knowledgeable, and compassionate—answering every worried question with patience during our toughest days. Pet insurance isn’t something you think you’ll need until you do—and when that moment comes (even after years of perfect health), Embrace is there like a safety net you didn’t know you had. Bella is thriving today because of it. If you love your pet as family, do them (and yourself) a favor: get Embrace. It’s peace of mind that turns out to be priceless. Thank you, Embrace, for helping me save my girl’s life. ⭐⭐⭐⭐⭐
EJ KELLEY
I initially called to update my contact…
I initially called to update my contact and billing info. Billing was handled but I still am not able to update my email and password to access the account. Its been about two weeks and counting. please send a email with instructions for updating. Thank you, EJ Kelley
Marianne Santangelo
Very kind Compassionate and…
Very kind Compassionate and accommodating excellent service! I hope to put my other cats on multi Cat insurance with wellness plans soon. There claims process is easy fast and efficient website is excellent easy to navigate
James Triplett
Easy to submit claims
Easy to submit claims. Very fast processing time.
simcikmary
I have had pet insurance with Embrace…
I have had pet insurance with Embrace for 9 months now. They are very helpful and reimburse you with in days of your claim. Very sweet and knowledgeable.
Dave Kaplan
They have been very helpful guiding me…
They have been very helpful guiding me through my first claim. Dave Kaplan
Meria Kolathu
I am just incredibly grateful to…
I am just incredibly grateful to whomever helped with my very first claim. I did not receive the check in the mail. I am very new to Embrace and just recently updated my direct deposit. I was initially told that the check had to be reissued which would have taken time. THANK YOU to whomever noticed my direct deposit set up and went that route instead. I received an email letting me know and was relieved
John Pugh
I never expected such a smooth and easy…
I never expected such a smooth and easy process when I submitted my first claims. The claims were processed and approved the same day I submitted. Never expected a "hassle free" experience. Thank you Embrace.
Ryan T
Came through when needed
People call insurance a scam and I couldn’t disagree more. I am now not in debt 9 grand because I purchased an embrace plan.
Edgar Leung
First time experience
This is the first time we process a claim. The process was fast and easy. Embrace notifies us that the first claim might takes longer to process but it was just a few days before the claim was approved (teeth cleaning and one extraction). Shortly after, we had to go back to the vet 4 times for ears infection. All the visit claims were processed timely and we are satisfied with the result. Thank you Embrace helping when we need it the most!!!
Kristen Moody
Good experience with 1st claim
Embrace was pretty good communicating the status to me and quick to reimburse once approved. I thought the filing process was very easy as well.
Barry Ortner
Excellent App and Service!
Very easy to use app for filing/tracking claims and very fast response. Thank you!
G. Venuti
Everything is done very quickly and…
Everything is done very quickly and professionally.
Elaine O'driscoll
Everyone was so helpful and kind
Everyone was so helpful and kind. They looked into the situation and fixed everything. Thank you
Robert L
Quick and easy claims experience
Filing a claim was quick and easy and you mailed a payment very promptly. No hassle
Mary Mould
It did take a while to get my first…
It did take a while to get my first claim completed, but once completed funds were in my account the next day.
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