Embrace Review
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Reviews 8326 
Richard Mayer
2 years service…
Had Embrace for 2 years and my pets are healthy. Very responsive and easy to use. May seem expensive but like any other insurance, you hope to never have to use it!
Marisol Ibanez
Great customer service & easy to use.
Great customer service & easy to use.
Virginia Kane
This is a wonderful company to work with. So easy
Easy easy easy
Rancho Santa Fe
Another highlight is the comprehensive…
Another highlight is the comprehensive coverage offered, which includes not only accidents and illnesses but also wellness visits, vaccinations, and even alternative therapies. This holistic approach gives me peace of mind, knowing that I'm prepared for any situation that may arise. Additionally, I appreciate the absence of hidden fees or complicated Embrace is transparent about what is covered, making it easy to understand the policy. Overall, I highly recommend Embrace to any pet owner looking for reliable, affordable, and thorough pet insurance. Their commitment to customer satisfaction and the well-being of our pets is truly commendable. With this insurance, I feel confident that my furry companions are protected, and I can enjoy every moment with them, knowing I’m covered in case of unexpected veterinary expenses. Thank you, Embrace for providing such wonderful peace of mind!
Theresa
Well worth the cost
I have been an Embrace customer since 2022 and I couldn't be happier with them. The claims process is super easy and quick. The response time is also fast. My only regret is not having purchased insurance for my cat sooner because of a preexisting condition that she developed before I purchased the policy, but still, the premium is affordable and has been well worth the cost.
Terry Swinney
SUPURB PROCESS
It was eaasy to complete what I needed to do with just one call.
Vance Myers
I have had no problem.
So far I have had no difficulty with the claims process. The people I speak with at the call center are always friendly and professional.
Jennifer Griem
Always easy to use
Always easy to use, fast response time and payments reimbursed. Have been using Embrace for 5 + years and never had an issue. Great to work with. I recommend Embrace to all pet owners.
Terri Cannici
So far I have had great experience with Embrace
I have been with Embrace for 6 years since my dog was a puppy. Submitting claims has always been an easy process. I am hoping they continue to approve and process claims as they have been doing since I started with them. I have recommended them to many of my friends and family and it seems they are starting to deny claims. So far I have not had any issues, so hopefully those were isolated issues because that is the reason I switched from my previous provider
RICHARD
HUGE RATE INCREASE
With no claims submitted this past year, my monthly rate increased by 50% for the upcoming year. I can't understand why so much of an increase.
Traci Grizzle
Easy to navigate the site
Easy to navigate the site, submitting my claim was painless.
Cindy C
Great coverage/fast pay!
I've had two dogs with significant health issues and Embrace covered us - no problems. Direct deposit pay and turnaround is SUPER fast!
Benjamin Longacre
Embrace for the win 😃
I’ve been with Embrace Pet Insurance for three years now, and I couldn’t be happier. I have a beautiful King Charles Cavalier—my boy—and anyone who has one knows they can be high maintenance. Embrace has been consistently supportive, responsive, and easy to work with. One of the things that really gives me confidence is their affiliation with USAA, a company I trust completely. That trust extends to Embrace. I had an issue at one point where a pre-existing condition was incorrectly applied to an injury that wasn’t related. The adjuster, Alexi Z., went above and beyond—she took the time to listen, review additional documentation, and ultimately handled everything professionally and courteously. She truly cared, and it showed. I can’t say enough good things about Embrace. I trust them completely with my boy’s care and peace of mind.
Dianne
Super quick reimbursement
Super quick reimbursement! I have had such great experiences with my Embrace insurance. It’s easy to submit claims on the website and the best is that I get reimbursement very quickly! Highly recommend!
Barbara
Reliable and good customer service
So far (2+yrs) Embrace has compensated every claim I have submitted. I have not had pet insurance before so I can’t say if other are better but for what I pay I get my moneys worth and the peace of mind knowing I won’t go broke if I take my cats to the vet for an emergency is great.
MKL
Quick response and solution to issue
Quick response and solution to issue. Helpful and friendly
Aleta
Great customer service
Great customer service, fast claims processing.
Lindy Witz
Easy to Submit a Claim
So easy to submit a claim and I can submit one in less than 5 minutes.
Cindy Ellis
Thank you for being there for us.
Thank you for being helpful , caring, and prompt. I will continue to purchase insurance for upcoming dogs. Thank you again.
Felicia Ciurar
Great Sales Experience
I called into sales and spoke to Joe. He provided empathy for my situation and explained the policy provisions to me. I was extremely appreciative of his service and ended up paying for a full year upfront
Gregory Williams
We have used Embrace for many years
We have used Embrace for many years. The claims process is simple, explanations and reimbursement is quick. What more could you ask for?
joyce
Embrace Pet Insurance was the best…
Embrace Pet Insurance was the best thing I ever did. Never had insurance for my pets before. Their representatives have been so helpful, nice, professional and their website makes submitting forms very easy.
Bicar
Multiple claim management on my Yellow Lab
This has been about my 10th claim on my yellow lab with cancer. She's had a C-T scan, leg amputation, and now is undergoing chemotherapy. All the claims have been promptly paid...within 1 or 2 days. I've let to speak to anyone. It takes less than 2 minutes to submit a claim. Embrace has been outstanding. I highly recommend them.
Nicole Martinez
First time submitting a claim.
This is the first experience with the process of pet insurance and thought it would be a good investment in my pets future and my bank account. The customer service is great and the website is easy to navigate as well as affordable prices. All of those attributes have led to a 5 star review. I've had to unfortunately, submit my first claim. So, we will see how that process transpires. Hopefully another great review will follow this one after this process has concluded.
michelle dubois
Great Insurance for pets
Great Insurance for pets. Affordable, easy to use, excellent customer services.
Deb
With adopted dogs previous records and…
With adopted dogs previous records and previous existing conditions are a big question. So far, with our 2 adoptees who went to a Vet upon adoption and cleared for med issues, we've had a positive experience with claims.
TRACY SABOL
The outcome of my recent experience was…
The outcome of my recent experience was positive. I had my claims reviewed and after thorough examination of my dogs records they approved them. They have made me feel confident when they review my dogs records
Scott C.
Embrace takes care of us like we take care of our pets.
Everyone should have this company's insurance for their pets. When we needed to get emergency care for our dog after he got hit by a car, the medical bills piled up quickly, and Embrace came to the rescue. Paying for care should never be a concern when a pet's life is on the line, and Embrace took excellent care of us. The claim process was quick and easy.
Dog Lady
Fast efficient claims payment
Fast efficient claims payment
Anonymous
Claims are processed promptly
Claims are processed promptly, claim submission is easy. Coverage overall is good! Happy with this company.
Moira
Embrace made the reimbursement process so straightforward and efficient
Embrace made the reimbursement process for our kitty's treatment straightforward, efficient, and quick. Great service!
CO
website very easy to manage, wellness coverage limited
website very easy to manage. Wish the wellness coverage was more. It was used up pretty fast and caused a strain on us.
Georgia Pagan
Excellent coverage
Excellent coverage. Turnaround time on claims is phenomenal.
Eric Reeves
Awesome Insurance Company
This insurance company is awesome. I was assisted by Gary Thompson who gave me more than what he needed to. He was very thorough and made my life easier by being a new dog owner. I would recommend this company threes times over.
Anthony Joyce
Great Program and we enjoy using it.
Great Program and we enjoy using it.
bill rouse
My wife and I and our doggie
My wife and I and our doggie, BEHR, love this place and everyone that works there. Embrace is THE BESTEST!!!!!!!!!!!!!!!!!!!!
Charles Toy
Ease of use to file a claim
Ease of use to file a claim. This is the first caim I've submitted.
Michele Johnston
Brookville Vet Claim 03-20-2025
Embrace is always quick to reimburse our claims in a timely manner. Very. happy with their service.
Jennifer Belanger
Embrace Pet insurance is always on…
Embrace Pet insurance is always on point! The website is always so user friendly and it is easy to submit claims! So glad I went with Embrace.
Barbara
Embrace is the best pet insurance we've ever had
I cannot say enough about how much we count on Embrace to help us when our Sadie is ill. It has been a hard few weeks trying to figure out what is going on with her gall bladder and Embrace has been there for us during the multiple veterinary visits.
Catherine Wyatt
Easy to navigate the site
Easy to navigate the site. Spoke with Customer Support since I had a question. Very friendly and helpful and congratulated me on acquiring my puppy. Answered my question easily.
Clint Greenleaf
It feels good knowing my dogs are…
It feels good knowing my dogs are covered. It takes the stress and worry out of them getting the care they deserve.
Joy
So far so good!
So far, I'm impressed with the insurance coverage, but I've yet to see how much I will save this year. The website is easy to navigate, and claims are easy to fill out.
Jose Quijada
They're always on point
They're always on point. I was please to learn about their offerings, so I switched pet insurance to Embrace about 2 years ago. We haven't been dissapoointed. They offer good coverage, and are prompt processing claims.
Squeeky
The claim process is easy and quick
Quick and easy claim process! Would definitely recommend this company for pet insurance.
Amy
Great Submission Claim Instructions!
Weve been with Embrace for about 10 years. They are always pleasant and helpful, and submitting a claim online is easy because of the clear instructions for each step.
John
Trusted provider
I've been using Embrace for about a decade. They've always been prompt in paying claims, and I don't feel like they're looking for every opportunity to avoid paying. Claim submission has gotten easier and easier over the years. I haven't needed support a lot, but they've been great when I have--giving me extra data about ultilization, or more recently, running multiple scenarios with me to look for the right cost/coverage fit. They were patient and seemed to genuinely want to make sure I got the best option for my situation, not just the one that made Embrace the most money.
Alexander Keefer
Everytime i call they take great care…
Everytime i call they take great care of me and the reimbursement is normally very quick
Ray Worcester
First use for a claim
First use for a claim. The process was easy to set up.
Thomas Coe
Submitting claim was easy
Submitting claim was easy, I just hope I did it right!!!! I'm not real savvy on these computers!!!
Sharon Nanna
Jody was wonderful
Jody was wonderful. Super friendly and walked me through every part of the process in just enough detail!
Katherine Cunningham
I wish submitting a claim for my…
I wish submitting a claim for my personal insurance was as easy as this. Truly, an easy-breezy step by step that took less than 2 minutes. Fantastic.
Joanne Latko
Nothing but positive experiences with…
Nothing but positive experiences with this company. Had 3 pets covered with a substantial refund when Brucie unexpectedly passed away. All claims covered without problem Could not ask for a better insurance
Roy Degenstein
Customer service is great
Customer service is great, I had no issues. Walked me through on how to use the app and took care of any questions or concerns I had.
Nathaniel Bullock
The best pet insurance ever
The best pet insurance ever. You have been taking care of my dog Camelo since he was born.
Jack
User Friendly Steps for Claim Submision
Very easy steps to follow for submitting a claim. So much better than having to mail in information.
Benjamin Sherburne
While issues with my claim have been…
While issues with my claim have been resolved it took an inordinate number of back and fourths to resolve the issue. I will give Kudos to agent Reagan B who truly went the extra mile to help resolve my issues. Had, Embrace informed me that they had split my claim into two claims and back dated the first. This was the source of all the confusion and frustration on my part. This was a far better experience than my two previous interactions.
Colette
Easy and fast to submit a wellness…
Easy and fast to submit a wellness claim.
Teresa Brown
Extremely user friendly
Extremely user friendly. No problem sending the claim at all.
Cindy Hamilton
Embrace pet insurance gives me peace of…
Embrace pet insurance gives me peace of mind. I can take my Westie to the doctor and not pay an arm and a leg for medical bills. The process for submitting claims is user-friendly.
John Hart
Filing a claim was simple
Filing a claim was simple. I had much anxiety around my dogs, illness, and I needed something that was simple.032125
ARISSA MARQUEZ
great experiences
customer service is amazing! they are super helpful and 100% willing to go over everything to make sure you are on the same page!
Scott Bracken
Really easy to work with this company
Really easy to work with this company. Claim process is a breeze.
Shiloh
I am impressed!
I am impressed!
Craig Sheer
Just submitted my first claim
Just submitted my first claim, which was very easy and straightforward. Hopefully they will reimburse me.
Carly Heron
Best decision i made with my pups
I have had the very best experiences with embrace from the minute i signed up. I love how everyone i speak with is kind and helpful. And the claims turn around quickly. If i have a question there are very responsive and helpful.
Guy
Never before was I reimbursed for annual visits to the vet, TILL NOW !!!
Last month I switched from another company to Embrace Pet Insurance, because I wanted to see if I had the best price and most comprehensive policy. As it turned out, I wasn’t. With Embrace, now I am, & paying less for the same policy, PLUS, now she has a Wellness Plan. The Wellness Plan covers yearly vaccinations, medications, & even grooming, up to how much you choose. Never before have we gotten reimbursed for all this. It all came out of pocket, but never back in. Today, I brought my service dog, Sandy Rose, to get her 10,000 mile (yearly) check-up and vaccinations. Knowing how much check-ups, vaccinations, & monthly heartworm meds and tick/flee drops cost, I got the $500 Wellness Plan. I submitted the claim online, which covered nearly everything. And, because I got from the vet 12 months of tick/flee chewables, there was a significant rebate. All tolled, I am getting reimbursed EVERYTHING!!! For Sandy Rose’s visit, I’m not paying a penny. And, since I set-up Direct Deposit with Embrace, instead of waiting 2 weeks for a check to come in the mail, I’ll be getting reimbursed in 2 Days. That’s Amazing!!! I’m sure glad I decided to check out other pet insurance companies and even happier that I went with Embrace. Thank You, Embrace.
Linda Reed-Craig
I LOVE Embrace Pet Insurance
I LOVE Embrace Pet Insurance. They have made it very simple and quick to submit a claim. The drop down menus are great. They save me a lot of time.
Denise Keller
Easy to use interface and good coverage.
Submitting claims via the website is simple and the company has covered what was in the policy. Their response to claims has been quick. I would definitely recommend this company to other pet owners.
Andrew S.
Super fast reimbursement
Super fast reimbursement. Less than 48 hours from claim submission to direct deposit being made.
Stephanie
The claims were processed quickly and I…
The claims were processed quickly and I was reimbursed quickly.
Debra
Claims are handled expeditiously
Claims are handled expeditiously. I have always had good customer service experience when speaking to an Embrace staff member. Although I had to change my plan due to an increase in coverage, I still stand by Embrace for my pet insurance.
Nick Baldes
Embrace has been easy to use
Embrace has been easy to use and has been very quick when it comes to claims.
Arthur Migliore
Such a Breeze
My 15 year old cat needs subcutaneous fluids, twice a week and submitting the claim is easy, fast and the reimbursement is just as fast!! What a breeze Embrace the claim procedure is!!
todd
I took my baby Zeus in for his yearly…
I took my baby Zeus in for his yearly wellness check and shots and submitting the claim was s oeasy and non stressful! Embrace claim process is quick and easy to do!
Gloria Stayman
Wonderful Customer Care and Service
We are always treated very well and are very happy with Embrace.
Anne
Exceeded expectations
First time I’ve had pet insurance, and the first claim has been submitted. Within a day it was completed. I was stunned. Interactions with customer service has been wonderful too.
Paul Moore
Awsome company to do business with
Awsome company to do business with. Saved me thousands of dollars
Jacqueline Patsouras
Is the best pet insurance and everybody…
Is the best pet insurance and everybody is so nice. Very informative and with every question or concern they are eager to help and answer all the questions . The best place and people who are employed there.
Reb
So easy to submit claims
So easy to submit claims . The website is great . This is a great insurance company for your pets . Fast response - no run around . We love Embrace
Anna
If you have pets, then Embrace Pet Insurance is a must!
Listen, Listen, Listen pet owners! If you have pets and do not have pet insurance, then you need to put your Takis down and get on the phone (or computer) and enroll your pets in Embrace Pet Insurance, like now. If you are a USAA member and you have pets, we need to talk because you are missing out. Where should I start? First, USAA members get preferential treatment when it comes to how they take phone calls and how claims are processed. For example, USAA members are moved to the front of the line for customer service and policy related questions. Second, claims are processed within an average of an hour. To be more specific, my last claim was submitted and processed within four minutes with a reimbursement direct deposited into my account two days later. Third, this is pet insurance that you can afford, but insurance that you cannot live without. Qualified claims are reimbursed at 90/10 after a decreasing $150 deductible by $50.00/ healthy year without claims. Fourth, claims are so easy to submit, my cats could submit their own claims (if they learned how to use a computer of course). Just start a claim, upload the Invoice, upload the soap notes, enter the diagnosis, chose the animal in question, press submit and enjoy. It is that easy. Fifth, my pet insurance premiums is low, and I receive a discount for each subsequent animal. Oh yeah! Some additional things to consider: Embrace Pet Insurance representatives are respectful and responsive. They are quick to answer your questions without the phone call shuffle. PLUS, they care when your fur baby is sick. In all, if don't have pet insurance, and you have pets or you are a USAA member who has pets, then you should get on covering your pets. You never know when you will need it, but you will be glad to have this insurance when you do need it.
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