Embrace Review
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Reviews 9131 
Toby Mersky
Called to cancel our existing policy…
Called to cancel our existing policy that we had for 16 years. Was always very happy but the cost became not doable for us. The rep suggested we could take an accident only policy for $2800 for the year. We decided to do that and asked if we could still submit our claims that we had not previously submitted from this year., We were told we had 60 days only to submit our claims. That would have brought us to August 8th, 2025. Today we tried to submit our claims (July 6th ) and we were unable to submit. Im hoping tomorrow when their office opens we will be able to submit our claims as we cannot afford to lose a substantial amount of money due back to us.
Bev Taylor
Prompt and efficient claim processing
I was very impressed with the prompt (next day after claim was filed) response that my claim had been approved and the dollar amount that would be direct deposited into my account. I was so pleased that I added insurance for my 2nd cat Daisy Mae. I only hope that I will receive the same claim experience should I need to file a much larger claim.
Eugene Arcurio
Great Experience …
I have had Embrace for over three years and they have been exceptional. The ease of processing and the quickness's of the refund processing has been outstanding. I always recommend them to my friends and families.
Della K Massey
submitting a claim was fast and easy.
submitting a claim was fast and easy.
Mylien Pham
Got this insurance through USAA
Got this pet insurance for my 3 small dogs through USAA. Excellent customer service, competitive rates, good variety of plans.
Dalia L King
so far easy to file the claim
so far easy to file the claim. wait for the response
John Quinn
Easy to file a claim
Easy to file a claim. Have always had prompt reply and reimbursement.
Randi Asquini
Super easy claim submission :)
Super easy claim submission :)
Celeste Fondaco
Submitting claim
Submitting my claim this morning was very easy. Not sure how long this will take to be reviewed. In the past I have been very happy with the results and timely reimbursements.
suem
Happy!
I have been very pleased with Embrace Pet Insurance. It is easy to submit claims, and payments are very prompt. Great customer service.
Donna Brancheau
It was easy to submit a claim once I…
It was easy to submit a claim once I found how to do it by using ChatGPT.
Greg Browning
It has been extremely difficult to get…
It has been extremely difficult to get my claims approved. I have been going back and forth, submitted all the required documents (including previous vet S.O.A.P notes) and still no response. It's a bit frustrating because not only are we paying for the insurance policies, we're paying vet bills as well.
Eileen Stensrud
EASIEST CLAIM FILING EVER!
After dealing with insurance companies for humans, this is amazingly easy. My claims have all been handled quickly and efficiently! Would highly recommend Embrace to all pet owners.
Constance Rose
Customer service
I am new to this insurance but it is very good so far!
Pat Cas
Easy to use website when filing a claim.
Easy to use website when filing a claim.
Gilda Sprung
Always prompt on claims
Always prompt on claims, always fair. Couldn't ask for more than that!
Scott
Embrace works great for me!
I got Embrace through USAA for my new Yellow Lab. I filed 2 claims for Wellnes exams and Vaxinations; both were reimbursed in 24-48hrs! Well done, great service!
Jaymz Davis
Pet embrace is a very good pet…
Pet embrace is a very good pet insurance , fast and efficient in answering claim .
Neal
Embrace is easy
Embrace has an easy claim submission process. Results are excellent.
Kevin Rauchut
Really helped when my cat got suddenly…
Really helped when my cat got suddenly sick and it was easier to make the right decision having embrace as a back up. Also every customer service agent I’ve spoken to from embrace were incredibly pleasant and helpful.
Helen
I have never had a problem with…
I have never had a problem with Embrase. They are very friendly and kind when you are telling them about your Fur Baby. Very understanding and fast to pay claims which helps a lot. I am so happy I found Embrace!!! I know my fur baby is protected.
Lydia Bulas
Representative was very pleasant and…
Representative was very pleasant and knowledgeable Answered my question right away
George Pankewytch
Submitting a claim is easy!
Submitting a claim is easy. I scan the paperwork from the vet's office along with my paid receipt and submit them. The hardest part is remembering who my carrier is!
Hinez Carvalho
This Company insurance is great
This Company insurance is great! I’m using since April 2025 and everything my dogs are using at hospital, they are paying 100% covered!!!thank you I always recommend
Emma Codd
First time ‘using’ Embrace after paying…
First time ‘using’ Embrace after paying dues for several years. Embrace paid out for all claims without any issues - it was such a relief to not having to worry about the cost of surgery. I’ve had different insurance providers for my dogs over the years and Embrace is the best, by far!! Highly, highly recommend!
George Cox
Customer service is great
Customer service is great. Covers exactly what’s on the policy. Claim paid almost immediately.
Samantha Giuliano
The claim process is so easy
The claim process is so easy. It takes 1-2 minutes and is stress-free. It can take a bit to be reimbursed, but at least it doesn’t require a ton of effort from you to process it!
Robert
Got a fast response
Got a fast response, well informed rep. Good experience.
Steve
The submission requires a diagnosis and…
The submission requires a diagnosis and seemingly obvious cases, such as a dog encountering a porcupine, are missing.
Victoria Kentner
Great insurance
Great insurance. Reimbursement is alway prompt
Max Kincaid
Embrace has always been helpful with…
Embrace has always been helpful with our claim even though I can't go into my account and mailing my claim via UPS. I have received my reimbursement. I am very happy!!
Linda Leach
Embrace makes it so easy to submit and…
Embrace makes it so easy to submit and claim and they reply very quickly. My lab thanks you!!
Aaron Chung
Embrace's claims process is efficient
Embrace's claims process is efficient, and their staff are always friendly and attentive whenever I call them. I always recommend embracing pet insurance to all my friends and family!
bob
After a little back and forth claims…
After a little back and forth claims have been settled. recommend Embrace each and every time
Esther Eldridge
The submission process is easy to follow
The submission process is clearly stated and easy to follow. Simple and clear instructions are provided and are appreciated.
Joel McKeever
Ease in submitting claim
Ease in submitting claim, plus prompt response time.
Doris Wanjiku
so far so good
my claims were paid in a timely manner last year. App is easy to use and straight forward.
Mary Ruth F
Easy with the assistance of…
Easy with the assistance of representative. The website features were difficult for me to navigate.
Roxanne Barnett
no hassles or problems with embrace.
no hassles or problems with embrace.
Robert Ward
Beau Visits the Vet!
Of course the Beau gets nervous at the vet, but the Dr and tech here are gentle. We can tell when Beau is not feeling well; lots of violent scratching and he's out of sorts. These folks restore his health promptly.
Jennifer Purgason Walsh
Quick Payment
Super quick to get reimbursed and they are upfront about what is covered so there are no surprises. I am very pleased.
customer
Very easy to submit a claim.
Great customer service. Easy to use website. Quick to process the claim.
Tom D
Outstandingly straightforward website…
Outstandingly straightforward website allowing for swift completion of claim filing!
Edward Kruck
Zac's Health Ins.
I found Embrace website easy to navigate, options were many, payment options are great, we prefer annual and that was available.
Richard Thompson
Have always received expedient handling…
Have always received expedient handling of our claims with a clear and understandable explanation of benefits
Deborah Laury
Representatives are gracious and helpful
Representatives are gracious and helpful
Teah
Embrace Insurance has been amazing
Embrace Insurance has been amazing. The claim submission process is so easy, uploading Medical Records is just a click and done. The most amazing part is the timeframe from submission to processing to payment. They are extremely efficient!!!
Ruth Friedman
Easy website to navigate
Easy website to navigate
Vincent Abruzzese
Claim for sick dog visit to our vet
Claim was submitted for visit to our vet due to vomiting and diarrhea. The claim process was simple and easy. Claim was completed within a few days with detailed explanation of coverages provided. We are 100% satisfied with Embrace pet insurance.
Jacqueline Kimmey
Really like this insurance
Really like this insurance - policies are clear and easy to submit claims (unlike my experience with home insurance!). I do not recommend the wellness rewards - thats really just a pre-pay savings plan, not insurance. But the remaining coverage is great, claims are easy to file, and have never had unfair claim denials.
suzan syron
Such an easy process
Such an easy process! it took less than 5 minutes to fill out, attach the invoice, and submit.Thank you for making it such an excellent experience
Christian Barnes
Good pet insurance company
Good pet insurance company. They are very helpful and great customer service support team.
Leonor Fernandez
"Peace of Mind After the Shake-Up – Thank You, Embrace!"
When Nationwide Pet Insurance unexpectedly pulled out of Florida, I was left scrambling to find a reliable replacement. After doing a lot of comparison shopping, I chose Embrace, and I’m so glad I did. With my anniversary coming up in October 2025, I can confidently say Embrace has been a solid choice. Insuring an older pet can be challenging, especially with pre-existing conditions not being covered, but Embrace was upfront about everything from the beginning. Their transparency, honesty, and patience really stood out. They answered all my questions thoroughly and even helped me compare options to make the best decision for my pet’s needs. It’s rare to find this level of support and customer care. I highly recommend Embrace to anyone navigating the complex world of pet insurance, especially if you're doing so under time pressure or with an older pet.
Amy Anthony Yoga Sound Healing
Astronomical increases (1500%) but Good insurance
We had embrace for two of our dogs, about 11 years. I am very grateful we decided to get insurance for our 2 Great Danes. The claim reimbursement process is really fast and easy. There was one claim they denied, we spoke to them on it and they changed their mind. What I did not like (and I know all of us with all insurance can relate) is that my 2 dogs started with Accident & Illness plus Wellness for $75 for 2 dogs. Then as time went on the premiums would increase some years by 125%. Initially I canceled the Wellness to account for my budget and the increase. But year after year the increases were eye popping and if not at that 125% amount very close to it. I was so sad because we had paid for the insurance all of the years but finally with my one girl left they wanted to charge me $600 / month. I just could not afford it. So in the end, when I really needed insurance they astronomically raise my rates to get me to leave the plan (that's how I viewed it). Now that I am looking at getting another dog I am researching other companies. Had Embrace not done that at the end I would have used them for my new dog without question. So again Started at: $75/month $800 deductible 80% reimbursement 2 Dogs Wellness, Accident & Illness To: 2 Dogs with above Removed Wellness Escalated over 8 years to $450 /month Then: 1 dog passed 1 Dog with Accident & Illness $600/ month (when I finally had to cancel my policy because I just could not afford it.) 2 dogs $75 ending with 1 dog $600 1500% increase in monthly premium (and removing the wellness benefit)
James Nathan
I HAVE EMBRACE THROUGH USAA INSURANCE
I HAVE EMBRACE THROUGH USAA INSURANCE. IT'S BEEN A TERRIFIC POLICY FOR FIVE YEARS IN TERMS OF SERVICE AND RESPONSIVENESS.
Ruth Nelson
NEVER ENDING APPRECIATION FOR EMBRACE!!!!
I will leave my review for my never ending appreciation for Embrace. This is the seventh year I have had them and can't imagine a better insurance coverage for my GSP. Embrace has always been there for me and I'm so glad I chose them. They pay in an exceptional timely manner and when I've had to talk to any of their representatives, it's refreshing to know that they still know what Customer Service is all about. Thank you for all the support for the last seven years (and hopefully many more)!
Boo Robinson
Do not like the fact that I've had a…
Do not like the fact that I've had a policy 4 over 2yrs n hav yet 2 receive 1 dime bk frm Embrace! But $136 is being deducted out of our act. EVERY MONTH!!!!!!!
Jeanette Fuller
Embrace is Good Value
The website interface is simple and easy to navigate. The customer service has always been easy to reach and helpful when trying to coordinate between claims and the veterinarian. It isn't inexpensive but you do get value for the dollar you spend with veterinarian fees going up and up.
rochelle pollack
Wonderful company to work with
Wonderful company to work with. Everyone I have dealt with in the last year are ALWAYS FRIENDLY AND HELPFUL! Their reimbursements are extremely efficient and fast! They have been wonderful to work with!
Charles Stengel
It's so easy
It's so easy. Only takes 30 seconds. as easy as doing this review
Ivan
MR.Joe
The Costumer representative was very professional, understanding, patient and knowledgeable… Thank you for my first time using this insurance……
Kahleena
Highly recommend
Highly recommend! Always easy to contact and they have such a smooth process for claims. I am so thankful we have Embrace for our two fur babies!!
Linda Nakama
I LOVE my experience with Embrace
I love my experience with Embrace. They process your claims so quickly, normally the same or next day which is unusual for any insurance claims. Very happy with my experience with them and we've used them for over 10 years. I would highly recommend them to anyone.
Debra Kamino
So very easy to work with
So very easy to work with. I'm very pleased with Embrace.
Jonathan Tanz
Fantastic service
Great service, very prompt and excellent service in submitting claim and fairness in review of claims with insurance provisions in policy!
Robert
Easy claim process
Easy claim process, next day notification of claim payout!
DEBORAH SONNER
I sent in my claim and they got to it…
I sent in my claim and they got to it promptly. No headache or worrying. They are polite and kind and very fair.
Sue Myers
Sahara was really nice and we had a…
Sahara was really nice and we had a nice conversation
Martin Brick
was taken immediately
was taken immediately , dog was sedated for the difficult parts of the exam so she would not panic - gave very specific instructions for home care
Skye Vivian-Kirk
Easy to submit claims
Easy to submit claims. When they are denied, an explanation is given. The agents display kind and empathetic words as well.
Leeann
So Worth It
Ashley was extremely helpful in getting me a good monthly premium that still covered my dog properly. I have not have to use this insurance often, but when I have needed too I’ve saved thousands. For example, my dog had to have two lipomas removed and it would have been $3-$4k out of pocket, but after insurance I only paid $250. The process for reimbursement was very simple and quick. I recommend Embrace to everyone with pets!
Irma T Gonzalez
I love the whole process
I love the whole process, submitting a claim is very self explanatory, I receive my refund in 5 days.
Xiomara Bencomo
Tiffany was great in helping me get new…
Tiffany was great in helping me get new coverage. She was so friendly and understanding. Great customer service !
Andrew MacQuarrie
Very easy to work with
Very easy to work with. Quick and easy to submit a claim, with really fast reimbursement. The peace of mind of having this policy in place was a real lifeline when my pup had an emergency
Tiffany Lopez
Customer service is great
Customer service is great, they returned portion of my cost pretty quikly after the claim was made.
John McClain
Professional and timely
Professional and timely
Simone
I find Embrace fair and quick with…
I find Embrace fair and quick with processing one's claims. It's also an easy online process which I appreciate.
Renee Gentry
The way my bill was handled
The way my bill was handled
Laurie Michaud
I found it very easy to use the website…
I found it very easy to use the website to submit my claim.
David Janda
So fast and easy.
So fast and easy.
Michael Bush
So far so good
So far so good. First claim.
Dustin Regan
They covered what they said just two weeks after starting service!!
They were very well priced and have great customer service!!
Mary Anne Mason
Easy and efficient as ever
Easy and efficient as ever
Lindy Witz
Easy claim filing
File a claim is so easy and takes no time at all. And the best thing about Embrace Pet Insurance is how fast they process the claims.
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