Embrace Review
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Reviews 8837 
Scott
Embrace has been very good about… claims reimbursement
Embrace has been very good about reimbursing claims in a timely manner. Usually, claims are processed within a few days after submitting them. Submitting claims are super simple using their on-line claim submission process.
Sonya Nelson
I’ve had a good experience with this…
I’ve had a good experience with this pet insurance company. Make sure you get it when you first get your dog. Don’t wait or you’ll have pre-existing conditions. I have it on both my dogs. One has a pre-existing condition of anxiety so his meds aren’t covered. They also don’t cover prescription dog food which is a major bummer because ifs so expensive. So consider that if signing up with them. But it’s been good so far! I’ve had the insurance for 2 years and we won’t be without it.
Diane
It was easy to apply
It was easy to apply. My current insurance changed hands again and up the price and got rid of items and deductible. Your insurance is closer to what I had.
Ashlyn Governale
I had the pleasure of talking to Gary…
I had the pleasure of talking to Gary while setting up my insurance plans for our two girls. He was amazing! Extremely thorough with what our plans offer, how to get the most from our benefits, and overall extremely kind! One of those customer service experiences where you leave the conversation with a smile on your face. Thank you, Gary!
Ruth Nelson
Embrace goes over and beyond
Embrace has given me more comfort than I can express! No matter what the situation is, they've always been there for me. It's amazing how fast a claim is processed. I had a claim on 5/28/25 for a Cytopoint shot and I received an email on on 5/30/25 that it had been reviewed and paid. I wish our personal insurance's was that fast and easy to use!
Lindy Witz
Claim filing & processing
Claim filing is so easy to do and the response and processing of claims is fast. I am so glad I have this insurance for my much beloved and spoiled fur baby
Sam Sommer
This is my 2nd pet that I've had…
This is my 2nd pet that I've had insurance and wellness coverage and the premium is a great price as well as the process for claims is very simple.
Julie Henninger
Really easy claims experience
Really easy claims experience! They got back to me really quickly on all my claims and payment was sent promptly. Their app does need a lot of work. I try to submit claims on the app. It seems to always crash on me, but the computer works fine. Great coverage options and insurance for my fur babies!
Narlyn
Quick turn around
I have insurance of my other cats in another company, but Embrace sends reimbursement really fast. I highly recommend others get their pets insured here.
fantasy football girl advice
My lil furbaby had to have her eye…
My lil furbaby had to have her eye removed no issues. Now with her 1 eye left she is having issues but I don't need to stress abt the bill cause embrace covered most of it
John Waukechon
Boone's care
Overall, Embrace is an excellent company. There are things I wish were better, like less pre-existing conditions. But you allowed us to afford to maintain our senior dog, Boone, for the last four years of his 14 years of life. Your claim process is so easy, and the response time has gotten faster over the years. These are the reasons we gave Embrace 5 stars.
Melissa Calloway
Jody provided excellent customer service!
Jody provided e collet customer service!!
Victoria Lynn Berdnik-Atkinson
We love Embrace!
We love Embrace!
Jennie Areson
Interesting submission
Interesting submission. My dog had multi-day hospitalization and subsequent surgery. Each day had to be submitted separately due to multiple providers. Also, credits were issued; no way to submit those to clarify amount due in total.
Maria Dresser
This company has the easiest procedure…
This company has the easiest procedure for filing a claim. Filing takes only a few minutes and responds time is usually within 2 weeks.
Chas
Kara
Easy to submit claim and select reason for visit
Susan Johnson
Very happy with Embrace for my dogs
I have had my dogs insured with Embrace for years now. They are fast and competent. I can do everything online, but they are easy to talk to if I have a question. I DID have a problem entering the diagnosis. It has happened in the past. I have to back up to the previous page and try again a couple of times but the software eventually gets there.
Gulliver
Good response and timeline service
Easy to submit claim. Response rate is very good by email and confirmation of claim submitted. Reimbursements come in timely manner
Ruth Nelson
The Best of the Best
I've had Embrace since 2018 and have a difficult time when reading some of the negative reviews. In all the years I have been with them, I have yet to have a problem with any of my claims. There have been a few things that I was uncertain about coverage on a specific treatment, but if it wasn't covered (and there isn't much that Embrace doesn't cover) it was always explained. Say what you want, but if the price increases, your pet also gets older and more issues may arise. It doesn't matter to me what the cost is. There is nothing that I can put a price on when it comes to Cooper.
Alfredo Uribe
Customer Service is Awesome!
The customer service is awesome and they reply in a timely manner on requests for reimbursement for insurance claims.
Angie Tantri
Embrace insurance always helps me to go through the financial burden.
I bought embrace insurance when my golden retriever was a puppy. She had surgeries and diagnosed with cancer. Embrace had helped me with pet bills. The customer rep. always answers the phone with timely manner and very respectful. I recommend embrace insurance to all pet owners.
jackie rodriguez
Customer service always very…helpful and fast
Customer service always very responsive, claim process is super easy seamless process. I recommend Embrace to all my pet parents
Chazz Hawkins
First time user
First time user. Great initial experience. Easy to use. Symptoms were found on the drop down. Accepted picture of invoice without difficulty. Easier and faster than expected. Thank you!
Derrald Segue
It was easy to submit a claim.
It was easy to submit a claim.
kenny eisenman
5 stars is not enough this site is…
5 stars is not enough this site is always easy to navigate and use espec for submitting a claim
Laura Engels
So easy to file a claim...
So easy to file a claim...
EHG
CLAIM PROCESS
CLAIM PROCESS WAS EASY TO SUBMIT
Kristen Sharpe-Nimesgern
Very easy claims process
Very easy claims process, detailed explanation of what is covered & why, fast payment. Our dog was bit by a rattlesnake and we were SO grateful that Embrace allowed us to provide the appropriate care needed to save her life.
gary evans
Having problems submitting claims
Having problems submitting claims, seems the website locks up from time to time and does not allow you to finish. Have to submit again the next day.
Kady Ellifritz
Young Pets Need Insurance
Our kitten was diagnosed with HCM at age 1 and large cell lymphoma at age 2.5. Sadly, lymphoma is an aggressive cancer, and he survived only a couple months beyond his diagnosis. We were able to enjoy the extra time we had with him, and Embrace was there the entire time. Claims were processed within days of submission and knowing we had Embrace to support us, financial impacts were completely removed from making medical decisions. I have my other pets insured with Embrace as do my family members. 100% recommend.
Claudia Ionescu
Very easy to submit a claim
Very easy to submit a claim
William Butler
Payment for covered services was…
Payment for covered services was received fast
Barbara
Easy Way to Submit Claims
The company has made it easy to submit the claims online, and it takes little time.
Denise Dorsa
Easy to submit
Easy to submit. Covers what they say it will:)
Pac10ten
She was very helpful and very polite
She was very helpful and very polite. I enjoyed the little conversation we had during the process of upgrading my insurance policy.
Kerry
Easy submission and fast turn around.
Easy submission and fast turn around.
Doug Denniston
Outstanding Pet Insurance – Truly a Lifesaver!
Outstanding Pet Insurance – Truly a Lifesaver! I cannot say enough great things about Embrace Pet Insurance. From start to finish, their service has been exceptional. Submitting claims is incredibly easy, their team is prompt, courteous, and thorough, and reimbursement comes quickly without any hassle. They genuinely care about pets and their families, and it shows in every interaction. Thanks to Embrace, I was able to provide top-tier care for my dog without worrying about the financial strain. The coverage is comprehensive, the policies are transparent, and their customer support is second to none. If you’re on the fence about pet insurance, do yourself and your furry friend a favor – choose Embrace. It’s one of the best decisions I’ve ever made.
Hugh McStay
This was my first time using the claim…
This was my first time using the claim process. it was very easy to navigate thru the screens & submit a claim.
Rebecca Monaghan
After researching several pet insurances, Embrace impressed me the most.
The agent was very helpful, knowledgeable, professional and courteous. I just signed up for Embrace for my two dogs after Fetch Pet sent me an email that my insurance was going to go up to over $500 a month. Also Fetch Pet charged the deductible for every event whereas Embrace charges the deductible once per year which is the way it should be.
Stephanie Crawford
Our three dogs give 11/11 paws up (one only has 3 legs)
With our newest adoptees, beginning in 2019 we switched to using Embrace from another well-known pet insurance company that changed underwriters and became more difficult to process claims through. Embrace had the same coverage and similar pricing, but stood out for the excellent customer service. It could not be more clear what the exclusions are per pet, what they consider pre-existing for each pet, etc. I appreciate that there is no wondering what will or won't be covered! The refunds are very efficient, sometimes as quick as the same day!
Bougie_B
Easy to sign up and download the app
Easy to sign up and download the app. I’m coming from healthy paws, which clearly has a better app experience so I would say that’s the only thing I would love to see upgraded
Bryan Ruiz
Best customer service very…
Best customer service very understanding of my concerns with my current claim, honestly just some of the best people skill on their part.
Sabrie Graves
Very easy walk through with this aoo
Very easy walk through with this aoo. Highly reccomend this app to any company needing to use photos as a required element for their customer's orofikes.
Elizabeth Bandomer
This is an excellent the best pet insurance site
This is an excellent site I am happy to be able to send my claims in The refund is excellent I tell everyone about embrace pet insurance. It is excellent
Angelique Dunbar
I've been with Embrace for over 18…
I've been with Embrace for over 18 years. Quick easy fast reimbursement. Great service.
Victoria Lynn Berdnik-Atkinson
We love Embrace
We love Embrace! They make claims easy and great coverage
L Kinsey
Embrace is the BEST!
We purchased our Embrace Pet Insurance for our 4 dogs in May, 2024. At the time we had 3 German Shepherds and a Japanese Spitz. We have had many dogs over the years but never insured any of them. Since we got all of these dogs in 2023 I thought 2024 was a great time to get pet insurance. The main reason was because of the 3 German Shepherds. Well in August, 2024 my Japanese Spitz puppy was diagnosed with cancer. Our Embrace insurance paid for her weekly oncology visits until the end of October with no hesitation. I would submit her invoices and have the reimbursement in our account within 1-2 days after submission. Embrace made a terribly sad situation better by us not having to worry about the financial side of it. Embrace did everything their insurance promised! I recommend to all friends with pets to get Embrace!
David Marks
Like most pet insurance there is a scam…
Like most pet insurance there is a scam aspect to it. You really don’t get the coverage you get in human medical insurance. I used embrace for 5 years and the rates have gone up between 20% and 35% each year, so I constantly have raise my deductible and decrease my yearly aggregate amount they pay. I have swithed to Prudent Pet insurance and saved 1300 for the year for the same coverage, so let’s see what happens. Not sure why embrace invited me to review when I just canceled my policy?
Consumer
I had a great experience with Embrace…
I had a great experience with Embrace Pet Insurance thanks to a knowledgeable and friendly customer service representative who helped me navigate the process quickly and efficiently. Their support made everything smooth and stress-free — truly appreciated!
sharon szabo
Claims filing
Embrace is very easy to work with, website is easy to navigate and filing claims is easy and quick. thank you!
Tanya
Very happy with Embrace Pet Insurance
I've had Embrace Pet Insurance for 3 years. I added the wellness plan. Very happy with the company and their fast response to claims. Every year, the Wellness Plan covers all annual shots, tests, and usually 3 months worth of flea and tick prevention. Having this insurance gives me peace of mind.
Christine Reichart Stuermer
Customer Service Outstanding
Customer Service Outstanding. Reimbursement prompt within the stated review period. Website is very easy to use.
Jimmy Young
Ease of navigating through website.
Ease of navigating through website.
Alison Abrams
Easy to use.
Easy to use.
Susan Permuy
Claims are submitted and processed with…
Claims are submitted and processed with ease! This Company is amazing and takes the worry out of keeping Harper healthy and happy. Thank you Embrace!
Bryan
Just started using Embrace
Just started using Embrace. Easy and straightforward. Cover a lot. Im out of the country and can easily submit a claim for my pup back home.
Roxanne Barnett
Never had a problem with company
Never had a problem with company. All my claims were approved within a couple of days. I've been with them for about two years now. They are also helpful on the phone as well.
Martha Jones
Fast Processing
I submitted several claims for my dog this afternoon. Before I finished submitting them (which is very easy), the first one had already been approved!
Heather Salvadore
Very simple to submit a claim and…
Very simple to submit a claim and explanation upon claim reimbursement. Great benefits overall for our fur babies
Linda Leach
Embrace makes it so easy to submit a…
Embrace makes it so easy to submit a claim and are very quick with a response. Their customer service is A+.
Andy Warpool
Claims made sooooo easy.....
Claims made sooooo easy.....
Silvia Sunshine
Love Them
Love, love, love Embrace. Super easy to file claims and navigate policy information. Once, I had to call about clarification on coverage for my rescue dog and customer support was so nice- and the issue that needed clarification was in fact covered. (yey!) Overall experience= EXCELLENT.
Alisa Kremer-Parrott
Embrace makes submitting a claim easy, peesy!
Embrace really makes submitting a claim very easy with their prompts. I am very appreciative of this because this can be stressful, but not with Embrace. Thank you for streamlining directions/prompts - plus uploading the Vet invoices was a breeze. Our samoyed is in good hands, and we're thankful to have insurance for him just like we have insurance for our family!
Seena
I have had Embrace for out dog for 9…
I have had Embrace for our dog for 9 and a half years and now I have Embrace for our cats. I want to be sure they receive the best vet care possible. Embrace is fantastic and always on point when paying and also when speaking to them. Great customer service. I recommend them to my friends too
Francisco
I’m so glad I chose Embrace Pet…
I’m so glad I chose Embrace Pet Insurance for both of my dogs. The plans are affordable, the coverage is excellent, and their customer service has been nothing but friendly and supportive. I especially appreciate their wellness program, it’s a real godsend for keeping up with annual check-ups and preventative care. My only wish is that they offered more options for those willing to pay a bit more for broader coverage. Overall, I highly recommend Embrace to any pet parent looking for peace of mind and compassionate care.
Jacelyn Rodriguez
Great service and very easy to navigate…
Great service and very easy to navigate the website, plus they are always quick with answering questions!
Doug Willox
Submit claim online
Submit claim online, response in one day, deposit in checking account the next day. What’s not to like ?!?!
Susan Snow-Linda
The Claim Process Was A Breeze
The claim process was a breeze! I was guided though out the input and upload process. The app is VERY user friendly. With two pups, I appreciate that as I don't often need to fill out claim forms for urgent care issues. The easy claims process gets my claims in the system and going fast. THANK YOU!
Judy Paolini
Would not go without it!
We've been ensuring our cats with Embrace for 15 years and have nothing but good experiences. We tend to adopt cats with multiple health problems so we never hesitate to get them the care they need. Our claims are processed within a day or two, and reimbursement just a day or so later. At one point we calculated that the benefits we received from Embrace were six times what we paid in premiums. This latest incident was a potential emergency which turned out fine and Embrace came through as quickly and efficiently as ever.
Donna Perez
The customer service is great
The customer service is great, they have reimbursed me quickly which is very helpful. No problems getting pre-approval for specialized care, the pre-approval wasnt needed but I needed to make sure for my own peace of mind. Highly recommend them.
Joan McMillan Witte
Fast payment; slow & unreliable website
Embrace Pet Insurance pays my claims reallyt fast. My complaint is with the website--it is very slow and crashes. I end up unable to file claims and have to try some time later. Then it's slow again. It happened 12 May 25 and then 20 May 2025
Robert Moldovan
It was easy to file a claim.
It was easy to file a claim.
Consumer
A Quality Pet Insurance
We've had Embrace Pet Insurance for many years. Customer Service is excellent! Reimbursement is without fail very timely. It gives me great peace of mind to know that Embrace Insurance will always take good care of the health needs of my King Charles Cavalier, Atlas.
Marcia
HELP WHEN IT'S SO NECESSARY
After almost two years of fighting cancer, Embrace has been WONDERFUL in helping me afford the necessary treatment to save my little Zoe. THANK YOU Embrace!
Carol Haff
I switched to Embrace Pet Insurance as…
I switched to Embrace Pet Insurance as I found the processing easy to explain the process
CSJG
I've been with Embrace since 2016 and…
I've been with Embrace since 2016 and they have always been excellent. I recommend them to everyone. Submitting a claim is very easy.
Susan
Several procedures with older dog and…
Several procedures with older dog and invoices were handled promptly and fairly. I also had coverage questions with a phone representative who provided great information and was patient and helpful.
Sam Sommer
I couldn't be happier with Embrace Pet…
I couldn't be happier with Embrace Pet Insurance! 10 STAR SERVICE!!!
Irene Dwyer
Very easy process to submit claims and…
Very easy process to submit claims and quick turnaround for reimbursement.
Linda Ebert Tutoring
Website was simple to navigate and…
Website was simple to navigate and upload documents. I also called the 800# just to confirm a couple of items and the customer service rep was concise while personable. She saved me time and helped me process one area of confusion on the policy.
michael murphy
Awesome easy experience took no time to…
Awesome easy experience took no time to put claim in and get it approved
Steven A
i thought during our dog's crisis i was…
i thought during our dog's crisis i was going to be spending a lot of money to see her thru. Was relieved when Embrace stepped up and covered as much as they did.
Mark Aldridge
excellent customer svc
Company provides excellent customer service.
Steven
Company more than doubled my pet…
Company more than doubled my pet premiums with little notice. No explanation and I had to call in to find out why. I couldn’t get an acceptable answer. Now I’m stuck with this company due to pre existing conditions which really upsets me as a consumer. I thought my premiums were stable.
Jenn
Don't pay attention when reviewing
I have had a lot of trouble with getting claims processed correctly. Often they process for the wrong pet, or don't pay correctly (i.e., pay more for the wrong pet, less for the other). The new claims issue is they state my cats' receipts aren't legible. That's impossible - clear as can be. Their email says to check out the claims in the portal, but neither claim is there for either pet, and there is no correspondence in the portal. I just resubmitted 2 wellness claims from Feb! I don't know if they're working from home and getting interrupted
Steven
He had all the time to answer my questions
Customer service was friendly, and courteous (I had a stroke fact affected my speech). He took all the time to let me get out what to say. He answered all my questions.
Penny Everhart
Six years of happiness and stressless days.
We have had Embrace for six years now. I would and have highly recommend anyone with pets to have pet insurance. Embrace has always been efficient and quick to respond with reimbursements. Friendly and very understanding personnel.
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