Embrace Review
Find a customized quote easily
Reviews 8492 
Doug Buchanan
Always some to talk to
always a pleasure to do deal with regardless who you get on the phone and with an English and 2 French bulldogs we all know how much we are calling, their customer service blows away like of Nationwide and VPI
Lynda
The best pet insurance company!
Always easy to file a claim for furry best friend(s). That's a huge relief and benefit. Treated fairly and almost every time get a quick decision/approval/reply and therefore a refund. Great company so glad I went with them!!
Paul and Leiza Johnson
straight forward
straight forward
Patty Haines
I'm disappointed that my pet insurance…
I'm disappointed that my pet insurance keeps going up. I thought that once I had a policy, I was locked in. Because we've had some claims, my insurance has increased to the point where it's not worth it. I'm disappointed I wasted the last 4 years paying for it. I feel it's a scam.
Constance Zeller
Overall wonderful, needs to review their pre-existing conditions
Overall, I believe Embrace Pet Insurance is wonderful. There does seem to be some inconsistencies: the first time I submitted for grooming where my service dog needed to be anesthetized for anxiety, by claim was covered completely. The second time I submitted for grooming with anesthesia for anxiety, only a portion of the bill was covered with an explanation that the anxiety was not covered. This is the third claim for grooming with anesthesia so we will hope for the best.
Harold Denman
We ha e one pet "Ronnie "
We ha e one pet "Ronnie " . Each time we have submitted a claim . We have had a Very Positive experience. We know now that Ronnie is in Great hands.
Meg
Always a simple process
Always a simple process
Dog Lady
I love the way Embrace Pet Insurance is…
I love the way Embrace Pet Insurance is so responsive. I never have trouble getting an answer to any of my questions. I have been very happy with this company.
Kerri
It was very easy to file a claim
It was very easy to file a claim. The web site is easy to use.
Rebecca W
Embrace has come through once again
Embrace has come through once again. We've been with them for close to a decade, and have had 4 pets covered by them. It's such an easy process, clear and quick feedback, and timely claim payments. We're so thankful we were introduced through USAA all those years ago - we've saved 10s of thousands of dollars and had so many extra years with our pups.
Diabro
Embrace is a part of our family for
Embrace is a part of our family for over 15 years now. Never a problem, claims paid quickly. A pleasure to do business with!
Anthony
Life saver
We've had two pets covered through embrace for over a decade all the way through their passing. We have never had an issue making claims or getting reimbursements. I have also seen the app and website evolve over time to make it super easy to upload claim information. They are a compassionate and caring company, and I could not imagine dealing with our pets medical issues without their help.
Laura Wirthlin
Easy process and great customer service
Embrace makes it easy to submit claims and receive reimbursement. Great customer service helped when I was getting started with pet insurance.
marcia nouvet landy
will continue with embrace
I am so happy that my daughter recommended embrace insurance for Khandy my dog I had for 2 years but I never used it I am happy that my daughter insisted on my filing the bills I am pleased with the results.
Pat Beck
First time submitting a claim
First time submitting a claim. Website made it easy to complete the information and submit.
Jane Ferris
So far so good!
So far so good! they have been very efficient!
J. Lynn
Peace of Mind with Embrace
I've had my Shih Tzu covered for about 4 years now. She's needed emergency life saving surgery and has a disease that requires medication. Embrace has been there for me through it all. The claims are paid quickly and according to my policy. I have peace of mind with Embrace.
Dave Eberhart
I am giving them 4 stars because of the…
I am giving them 4 stars because of the positive interactions I’ve had. However, like all insurance, they will determine what they feel is a reimbursable claim and you need to know your policy well. The policies vary in what is and isn’t covered.
Heather B
Great insurance…
In the very beginning I had issues getting reimbursed but that was years ago, since they revamped their submission experience, it's very easy and quick to get reimbursed. I have yet to have a problem. I'm very thankful for this insurance.
FJ
Pick EMBRACE PET INSURANCE
I very highly recommend Embrace for your pet insurance needs. I've invested in Embrace for five & half years and they have been EXCELLENT in customer service and handling claims.
Pamela Davis
I love the app
I love the app. Great turn around request and response. Fast reimbursement. Pleasant representative.
JJ
Thanks for your help
Thanks for your help
susan s
Was easy to submit wellness claim
I like the fact that claims are easy to submit. Unlike logging into my bank, the Embrace IT system works well. That’s something I appreciate.
Raymond Diliberto
Easy to submit claims.
Easy to submit claims.
Jerele Dee Lovely
I signed up a week ago
I signed up a week ago, had my two cats examined the next day, and I’ve already been reimbursed in full for their exam cost. Phenomenal. I am paying for the most expensive plan with the reimbursable allowances so keep that in mind. But I was really pleasantly surprised that I was reimbursed and that it came so fast.
Tomas Carrasco
Embrace is an excellent service to…
Embrace is an excellent service to have. My cat Duke was an outdoor cat and loved to roam around. He got into a few scuffles and I had to take him to the Vet. Embrace made it easy and quick to get reimbursed for Dukes vet bills. I just recently had to put Duke down, Embrace processed my claim quickly and seamlessly. They even sent emails and messages to my Account Center with words of condolences. I would highly recommend them to anyone looking for peace of mind for their fur babies. Their plans are very affordable and well worth it.
CAROLYN JONES
The site makes it so easy to submit a…
The site makes it so easy to submit a claim. I am so glad I have this insurance for my dog!
rosa mcnMaceil
Easy to do claims and fast service
Easy to do claims and fast service
Joyce
Claim process
Quick and easy process to file a claim, pending payment.
S Cothern-Ball
Exceptional pet insurance coverage
I have had Embrace for four dogs, spanning 10 years, and it has unfailingly been a great experience. I have had friends with other pet insurance who often lament the difficulties in getting claims covered and/or the reimbursement process. I encourage them to switch to Embrace, or to sign new puppies up for it, because I believe so strongly in this company. My pets will always be covered with an Embrace policy!
Christina Lafferty
The is my first experience with pet…Absolutely Stellar
The is my first experience with pet insurance, and it’s saved me a fortune!! I have two Shelties, and sometimes I swear they’re striving for death by chocolate. Twice Bonnie has been in the ICU, and Asher once. Add to that Bonnie developing epilepsy, and you can just imagine the difference Embrace has made. Filing claims is so easy, and the folks who answer the phone are so kind and helpful. I recommend Embrace to all my friends and acquaintances.
Russ Thomas
Embrace Pet Insurance is so easy to…
Embrace Pet Insurance is so easy to submit a claim and they reimburse very quickly
Anthony Moreno
Always polite
Always polite. Informative and professional attitude
linda horoshak
Very easy to complete claim online
Very easy to complete claim online. Embrace is quick to reply to the claim as well. This is one of the best pet insurance recommended by a vet.
Joseph Rutherford
Easy
Claim is very easy to submit.
Kelli Burkhart
I found the process easy and helpful
I found the process easy and helpful. It was a very stressful time and Embrace made it easier. I will stay with them.
A.D. Nichol
All service received from your company…refund
All service received from your company was excellent
Patrick Nguyen
I just used Embrace for a month now but…
I just used Embrace for a month now but the experience is very pleasant. I bought wellness coverage for my cat and I recently had her neutered. The claim process is very easy. I put in a claim, I get paid. What a feeling. Insurance companies nowadays, they take your money but when it's time for a claim, they give you a hard time. Not so with Embrace.
Yolande Spund
Very easy and less complicate.
Very easy and less complicate.
Jolene
Customer care first call
I want to make clear that this is a review based solely on my first interaction with customer care. This is the first time we’ve purchased insurance for our pets. Having worked years in the veterinary field and also having animals of our own has made me realize just how important having our fur babies insured is. I had some questions that were a little confusing about the initial appointments that were needed to ensure their coverage wasn’t interrupted or questioned. I had gotten several emails regarding the initial visit for our three dogs. They all have been seen within the last 12 months and I wasn’t sure if the records from all of those visits were sufficient or if they needed new appointments specifically for insurance purposes. The lady I spoke to was so helpful and kind. She explained that the day before our waiting period is over they will contact my pups DVM and request the records for themselves. That they wouldn’t need new appointments unless they hadn’t been seen within the last 12 months or there was an issue in which case they’d reach out to me and try to clarify before having them seen. She was incredibly sweet and answered all my questions in a way that was easy to comprehend and didn’t leave me with more questions. We’ll see how everything works out when I may need to file a claim or have interactions aside from today. I appreciate reviews by others and love leaving them too. So there will be more in the future. Good or bad, I love that there’s a place to share with others about experiences so we can make sure we’re doing what’s best and giving what’s best to our furry family members. So far so good embrace!
Caroline Sawyer
Our Lucy is a big girl
Our Lucy is a big girl, a St. Bernard, at 160 pounds and when she is not keeping her food down for more than a day it's a big deal. We took her to the vet and learned she needed an X-ray of her belly. We were lucky, it wasn't a blockage but I felt very happy that we had pet insurance behind us if it had. Thank you Embrace!
Leslie Rocco
All good things to say
Completing our 1st yr. They pay lightening fast, pay on what is covered and their app is super easy. It was a huge decision and not cheap but Embrace is a quality company.
Gwynne
We've been with Embrace for over 10…
We've been with Embrace for over 10 years and so glad we went with them when we saved 2 cats when they were very young. It's always been very easy to work with them.
Bicycle Village (Lisa & Cindy)
Very easy to upload and submit the…
Very easy to upload and submit the claim. THanks
Patrick H
We'll see after I have to turn in a claim.
The wait times before the coverage begins could be better. The monthly fee is a tad high for not covering some of the issues that are "going" to happen.
eden tosch
Linday went above and beyond to fix an…
Linday went above and beyond to fix an issue that had been unresolved by others. I really appreciate the personal attention!
Cindy C
Great coverage.
Thanks for covering all my claims for Beanie's IVDD treatments quickly and easily. The bank deposit option is so quick and fast!
Maricris Deezy
Easy to navigate to submit file
Easy to navigate to submit file. Thank you.
customer
Always quick return and easy to use app
Always quick return and easy to use app
Sheila Whitaker
I have been a customer for many years…
I have been a customer for many years through several pets embrace staff are so helpful and compassionate they even sent flowers after a recent loss they are #1 and they perform reviews of claims quickly and reimburse promptly
George
Completing a claim form couldn't be…
Completing a claim form couldn't be simpler.
Solina Sanchez
Honestly the best!!!
Honestly the best!!!! They were very transparent with the coverage and how the amount was calculated.
Laura Respecki
Very easy to submit claims
Very easy to submit claims. Don't ignore the occasional newsletter emails they send either. They have helpful tips and tricks.
Sarah White
I've been dealing with medical issues…
I've been dealing with medical issues with both of my dogs lately and very unexpectedly. Both dogs have been covered with Embrace since I adopted them as puppies six and eight years ago. One recently had to have a double CCL surgery and the other is now going through a very unexpected cancer diagnosis and treatment plan. I had been frustrated with the recent monthly premium increase, but I'm so thankful I've stuck with this insurance company for my dogs. They've consistently covered these unexpected issues at the percentage agreed. I would not have been able to afford this on my own and would have had to make much more difficult choices for my beloved dogs.
Lisa Bertorello
I was sceptical I must admit
I was sceptical I must admit, but once I submitted our first claim for our puppy’s illness I quickly changed my mind. Embrace reimbursed the cost within two days. Thankfully our puppy has recovered and is back to her normal spunky self.
bobspur
Great Service
Embrace Pet Insurance continues to provide great service. Easy claim process and they are normally settled within hours. The settlement checks quickly arrive in our bank account. I highly recommend Embrace Pet Insurance to assist in taking care of one’s pets.
Charles
Very quick and easy to process claims…
Very quick and easy to process claims and always accurate and quick to reimburse.
John Hehn
Wonderful Organization
Well put together organization. Makes it so very easy for me to ensure my pet recieves the very best care. Great Job
Bob J.
First Claim
I put in a claim Tuesday evening, it was approved the next day and the money was in my account that evening. It doesn’t get any better than that.
Richard Harris
I have to admit that I was skeptical…
I have to admit that I was skeptical about buying an insurance policy for my dog. That being said Embrace pet Insurance is true to their word. I ended up having an emergency with my dog. I submitted the paperwork to Embrace, they covered what my policy said they would. I would definitely recommend Embrace. Great company.
Edward
SMOOTH, submission with all needed documents at hand, which should be provided by the treating provider.
It was a smooth process with all the needed documents supplied by the treating provider.
Heidi
Embrace came through!
This is the first time I’ve purchased pet insurance and I am so thankful that I did! My 15 month old puppy became violently ill after a possible ingestion of a toxic algae. Long story short, the bill surpassed the deductible and having insurance took the guilt or worry about treatment decisions away. Embrace’s customer service was excellent, and I was reimbursed within 3 business days of submitting my claim. The submission process was also very easy. Pets are part of our family. Embrace now is as well.
Joan Smith
ID card
Hi. I am deaf-mute …. I am happy to have an insurance for my puppy. I feel safe. … Please text me or call Videophone through your voices. Ok I need to have ID card asap. Thank you. Joan
Lida Sharifi
Excellent Coverage and Fast Reimbursement
I recently had to take my cat to the vet for a serious illness, and the bill came out to over $1,000. I submitted the invoices to Embrace Pet Insurance, and they quickly followed up with the pet hospital. I was so relieved when they reimbursed 90% of the cost without any hassle. Their service was fast, reliable, and truly a lifesaver during a stressful time. Highly recommend!
Barbara
I can't recommend Embrace Insurance for your pets strongly enough.
The five star rating is deserved for all the reasons indicated. Claims are paid quickly and monthly payments are affordable (at least at this point)
Peter Conklin
We have been paying premiums for years.
We have been paying premiums for a few years now and have never submitted a claim until now: our dogs have always been in generally good health. Our small female terrier became ill and after a trip to her vet and then the veterinary emergency room, she was diagnosed with pancreatitis. After 2 days in the hospital, with treatment, she was released to go home: along with a $7k bill…. Embrace covered almost all of it. The process was simple and the response immediate, within 72 hrs. Thank you Embrace!
T Dauser TeeDee
I chose Embrace over Trupanion
I just submitted a new claim on my 7 week old puppy. I hope there are no issues for her wellness exam. She did get a clean bill of health.. However there are more vaccinations needed. I chose this insurance over Trupanion because of the wellness coverage. We shall see.
Agnes Asberry
A call to Claims started the process…
A call to Claims started the process and retrieving medical records was a breeze with Embrace Representative taking the initiative to reach out to the hospital of service.
Raymond Murray
Easy to make a claim
Embrace is easy to use. Claims are submitted with ease and feedback is immediate
Terry JoHansen
Submitting a claim is very easy
Our estimate was reviewed and approved in a timely manner. Staff is very helpful on the phone, too. The website is easy to navigate.
Robin Finney
Easy to submit.
Easy to submit.
James Hill
It was easy and painless and it didn't…
It was easy and painless and it didn't give you the run around like some apps
Wale
Easy to use platform that lets me…
Easy to use platform that lets me submit claims easily. I have enjoyed my interactions with all the people at Embrace. Greatful for their help on this journey of pet ownership.
Caryn W
They get better and better and easy to…
They get better and better and easy to submit claims. Vet costs have skyrocketed in last 5 years and anyone is insane not to have pet insurance for a beloved animal. I have a new pup and I think you also get a multi pet discount. I just researched other companies and noone else has better rates, and Embrace covers cancer ( non pre existing ) which sadly comes up to often in pets which is why I have them on very healthy foods now. THey got me through 16 months of my old cat on chemo. OTherwise I would have had a terrible decision to make too early. And I think many dumped pets these days are sadly because one vet bill can overwhelm a family on a budget.
Katherine Melvin
The claims were easy to submit
The claims were easy to submit. Each step of the process was clearly stated. The review process began the following workday and were approved. We are very happy with the Embrace insurance and the staff who works there.
Ellena Neubauer
Claims process is always simple and the…
Claims process is always simple and the reimbursements are quickly paid. Any time I have a question regarding my pet's health, I receive good information and ease of care.
Amy So
Best Pet Insurance out there!
I have had Embrace for a few years with my dog. This company is much better than the previous company that I used. The reimbursement process is fast. The premium for my now senior dog is high but the peace of mind is there if she gets sick.
Dawn Stroup
I love this company
I love this company, everyone is incredibly helpful.
Andy Cahill
make sure you submit a claim correctly.
If a claim has no issues, everything is excellent. However, I once had to try to give back the money for an invoice my vet had submitted incorrectly. It took months, and it was chaotic. I really love the service, and speed I have with Embrace, but make sure you submit a claim correctly.
Kim Weldon
I have the wellness package as well and…
I have the wellness package as well and Embrace has been awesome in handling claim and paying. Thank you Embrace!!!
Carla Landy
We have been clients of Embrace for…
We have been clients of Embrace for several years and for several pets. I have never had a problem with filing claims since I can do it directly. Kuddos to the EMBRACE team!
Top Pet Insurance
Pets Best
Read review
Spot
Read review
Lemonade
Read review
ASPCA
Read review
Pumpkin
Read review