Embrace Review
Find a customized quote easily
Reviews 10555 
Leland Barker
Excellent service
Excellent service
Jennifer Griffin
I am still waiting on my reimbursement…
I am still waiting on my reimbursement for a claim I placed 2 weeks ago. I called and was told it could take up to 14 "business" days to receive my reimbursement. My smaller claims in the past I received in 2-3 days, but because this is over $100 my guess is they are looking for a reason to deny it. Either way, 14 business days to receive your reimbursement is an exceptionally long time, in my opinion to wait, especially if you are on a budget.
Marlena Diver Forst
Great Customer Service
Wyatt was so helpful with my renewal of my policy. He gave me options and was patient with him. Very professional and knowledgable. I would work with him again.
Lesley Brooks
Cassie
Cassie! Helped with outstanding claims, insight with the particulars of my needs for Remi. Very kind, patient and helpful. Round of applause for an outstanding employee!!
Robert Herdliska
The person with whom I spoke was open
The person with whom I spoke was open, knowledgeable and very helpful.
Valerie
We had a very nice experience with…
We had a very nice experience with Embrace. After we misplaced reimbursement checks, their support team quickly checked the status, confirmed they were not deposited, and issued replacements without any hassle. Everything was handled smoothly. 😄
Corinne
Not user friendly
It was very easy to sign but not to file a claim. I purchased the Wellness package so I waited to have a few receipts before I filed. I had to file each one separately even though they were from the SAME vendor. They say supplement or vitamins are covered but I think Wrap a Pill should be covered because he wouldn't take any pill without it. They disagreed. I will say they told me 10-15 business days & clms were processed or denied the next day. We will see how long it takes to get the checks. That is wasteful to cut me individual checks. I feel the entire process is NOT user-friendly. I wanted to give 3.5 stars but that wouldn't work.
Sandi
Rebecca was very patient and helpful …
Rebecca was very patient and helpful explaining all the pertinent information to me
Barbara McIntosh
Rachel was very pleasant
Rachel was very pleasant, knowledgeable and solved my problem.
Betty Rogers
Unfair pricing
I liked the agent. She was sympathetic and helped me select a reduction in coverage to reduce the monthly rate which skyrocketed by $50.00 a month I had this insurance for almost ten years and it has increased almost yearly. This year, on my dog reaching 10 years of age it escalated from 89.00 a month to 160.00 a month. I had to cut the coverage in half to go down to 109.00 a month. I HAVE NEVER FILED A CLAIM! My dog is very healthy and is on no medication. She visits the vet every year and is fine. This is outrageous, but at this point I’m over a barrel to pay their fees because my dog is 10 and I’m afraid if she needs surgery or some treatment thst I won’t have the money to pay for it. I’m 79 and on a very limited income.
jay k
Great customer service and coverage
Great customer service and coverage. We have two pets on our policy. Recently, both have had medical problems - one has been minor, the other was major (requiring hospitalization). The claims process has been easy - and when trying to determine the best for the hospitalized pet, we made a call from the waiting room and had a pre-approval within minutes. This has been easier than my health insurance.
Paul
So far so good
So far so good, only had them for a couple of months. First claim was smooth and complete in the time frame they said. It was approved with no fuss.
Margaret Benziger
Embrace Policy Premiums continued large increases
We have had an Embrace Policy for four years. We have not had any claims that were covered according to their criteria. Our pet is healthy. Nevertheless, our premiums have had double digit increases year after year. The quoted 2026 premium is 250% above what we paid four years ago. We are going to research other options.
YVETTE
Friendly, helpful and professional
The representative (Roger) did a wonderful job explaining the working of embrace insurance and how it would work for my two dogs. He was very friendly, helpful and professional.
Erik Radcliffe
Haven’t finished my claim yet but so…
Haven’t finished my claim yet but so far they have been responsive. I will update when my first claim is complete.
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.
Top Pet Insurance
Pets Best
Read review
Spot
Read review
Lemonade
Read review
ASPCA
Read review
Pumpkin
Read review