Embrace Review
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Reviews 10363 
Darcie D
Easy and fast reimbursement.
Easy and fast reimbursement.
Scott
Completely satisfied, above and beyond
I have had pet insurance for about five years now. I never needed it until my dog tore her cruciate ligament. After submitting the appropriate paperwork and getting the operation, I was reimbursed almost immediately to the full value of the insurance. they answered the phone quickly when I called. Their website was user-friendly and easy to navigate. Their reception staff were always courteous and knowledgeable. In short, excellent experience and I cannot recommend enough.
Everett Nelson
Customer Service Rep was of great help…
Customer Service Rep was of great help getting the account established and apply all the discounts available for us.
Tabitha
The Embrace customer service experience - Second to None
The Embrace customer service experience is second to none. Every time I have needed assistance, they have treated me and my need with respect, courtesy, and diligence. They care about their pet parents. Also, the value for the pet coverage is 100% worth it. After having experienced caring for a very ill pet that required many vet visits and subsequent large vet bills, I know first hand how valuable Embrace Pet Insurance can be. They saved me thousands of dollars as well as providing me and my fur children with a first class customer service experience and care.
Garth Leach
Embrace is always quick to respond to…
Embrace is always quick to respond to your claim & their representatives are always very nice & helpful on the phone.
Teresa Moon
Winston broke a bone in his front paw
Winston broke a bone in his front paw. It was a Sunday so we took him to emergency care. He had X-rays , exam , sedation and give three meds to take home. We just got the claim finalized and the exam not covered ( we had declined ) and the meds not covered. Same reason. So a bulk of it was applied to the deductible.
ItsSimplyBelle
Hate to have to give this rating but...
Hate to have to give this rating but I have to. I have been with embrace for about 4 years. I received the quote for next year and my jaw dropped. I understand as a pet ages the cost for renewal goes up. It works the same way with humans. Every year it would go up around $100-200 but not this time. I paid about $700ish for all of 2025 and next year is about $1300ish. Almost double, this is insane. It was this year that I discovered he has Cushing's Disease and gallbladder sludge, what a coincidence. I believe this is deceptive practice because in "pet insurance" world, if your pet has a pre-existing condition, you can't just up and leave to another insurance. I feel this is how they trap you because they know that you do not have the freedom to just up and leave. Now you just have to settle on the exorbitant price increases. They will hit you with this copy/paste message " Embrace evaluates our premium increases annually based on our entire book of business focusing on several factors, including the age of the insured pet(s), the tenure of the policy and also factoring in veterinary inflation. This includes not only rising veterinary costs but also the recent advances we are seeing in veterinary care. We strive to find a balance in maintaining quality coverage for the pets that we insure, while also factoring in changes in the marketplace." This is just an excuse to lighten the blow to you. I reiterate, the reality is if your pet develops a condition under their policy, they see it as free reign to double, triple, quadruple your renewal because no other insurance will take you now. Be careful. I will be challenging this.
Mike Conover
My furbabies are Embraced.
I have been or rather my furbabies have been clients of Embrace for many years now. Every time I've contacted Embrace by phone or electronically they responded quickly and professionally to that inquiry.
Connie Vincent
I have no complaints with Embrace other…
I have no complaints with Embrace other than their APP never seams to work when I need it. Other wise excellent ! Submit claim and in 2 to 3 days your reimbursement is in the bank. Love it! If only personal health insurance was that Easy!!!
silvia scotti
Embrace Answers
The rep I spoke to was very understanding and said to submit my claim for my lost pet again and she’ll see if they will honor it. Anytime I had questions they were there to help me . It’s great knowing the company is truly animal friendly !
William Klein
Very pleased with Embrace Pet…
Very pleased with Embrace Pet Insurance. I have the normal insurance plus the Wellness addition. I have had a few claims with the Wellness part and have found it very easy to file the claim and received a response within a couple of days. Very pleased with the quick response. I have had the opportunity to speak with customer support and was pleased with the friendly and supportive assistance.
Patti Colliton
The claims process was very simple.
The claims process was very simple.
Sarah Walker
Handled our claim with thoughtfulness as well as efficiency.
We recently had to say goodbye to our faithful dog Nelson after several visits to the vet. Embrace handled our claim almost immediately. They sent a thoughtful message with condolences and were very help during this difficult time. They also took the time to remove Nelson from our account so I did not have to worry about getting that done, and applied a credit for the remaining days of his coverage to our account for our other dogs.
Juli-Anne Nush
Quick Response
Embrace has a very quick response time. My claim was viewed within 24 hours. The app on my phone made it very convenient and easy to complete. The information they give is easily understood.
Barbara
Embrace is a top notch pet insurance company
Embrace provides a very easy claims process, with reimbursement sometimes happening on the same day. It also provides great coverage for the money. The support staff is empathetic and very helpful, even offering suggestions to lower premium costs without jeopardizing coverage. We have two dogs who have been covered by Embrace for many years and some serious medical issues.
Susan
Glad to be here
I just signed up for my 2 cats after my last company jacked up the premium for one cat from $160 per month to $550. The person I spoke with was pleasant, clear and informative. The sign up process was easy and quick. The rates were very good. So far, so good.
Pastor W.L. Acklin
FIXED A PROBLEM IN A TIMELY MANNER.
FIXED A PROBLEM IN A TIMELY MANNER.
Leanne
Thank goodness for Dog insurance with Embrace
My dog was hit by a car and Embrace were very helpful when I called them about this. I submitted all the paper work and received payment within a few days. Would recommend them Easy to use system for claims and extremely polite staff.
Stanley Hosmer
Efficient
Fast, thorough, and efficient claim process.
Ann H Davis
Very pleased with Embrace
Embrace Insurance has a easy to use app for filing claims and they provide excellent communication about the status of a claim. I am very pleased with the coverage our policy has provided.
Margo
I am going to be honest
I am going to be honest: I was worried. But my first claim ever submitted was so easy and the wonderful employees at Embrace processed it so quickly, delivering me a comprehensive breakdown and everything and a quick return on my refund. My pup needed extensive testing with a specialist and I would do anything for him. Embrace gave me peace of mind that I could do that and more within my policy and have the financial help I needed to do it. I cannot speak more highly of Embrace and will continue to utilize their services for my pup now and my pups in the future.
DIANE
The person in customer service was…
The person in customer service was great and very helpful.
Laura E
Very easy to use and submit a claim
Very easy to use and submit a claim
Dona Thompson
The process was much easier than previous…
The process was much easier than previous experiences. Last year I had bills that I didn't submit because I dreaded the process. I was overwhelmed with illness in the family and could not not get my head around the forms. however, I find this insurance more expensive than others, The deductible is outrageous. Dr. Hoffman is fabulous.
Harry
Claims are so easy to do!
Claims are so easy to do!
debbie bariezas
Claims & overall site
Revised site & claims process much improved & easier
Sarah Walker
Submitting the claim was fast and simple
Submitting the claim was fast and simple
kam
Great
simple, quick, and efficient website. Took less than five minutes to upload the claim.
Kelly Hosste
Quick, Easy, Attentive
Customer service is easy to reach and can always help me. They are quick to review and reimburse claims. I have been really pleased with the coverage and service for my pets since we have had Embrace the past 7 years.
Ellen Friedmann
I talked to two people
I talked to two people. The second called me to see what they could do to make the policy work for me. We were on the phone for an hour before we could find a solution. It was amazing customer service.
celeste ferendo
As always I appreciate EMBRACE
As always I appreciate EMBRACE. A real human answers the phone!!!! AND called me! When does THAT happen anymore. Also It is easy to file a claim. No hidden small print. What’s covered is clear. In the past I have received fair and prompt reimbursement. I hope they never change their way of doing business.
Kim Lehnhoff
Recommend Embrace for coverage
Have only had coverage for 4 cats for about 6 months now, but I am very pleased with their customer service. Filing of claims has been exceptionally easy. I highly recommend getting coverage with Embrace.
Judy Lewis
This was easy and took only a few…
This was easy and took only a few mintues.
Mitch
The process of submitting a claim is…
The process of submitting a claim is fairly easy. Claims are also handled in a timely fashion.
Angela Baker
Such Ease and user friendly!
Such Ease and user friendly!
Richard Lane
Rep's always helpful & courteous. Thank you
Rep's always helpful
Lloyd Bye and Virginia Bye
Embrace is a great pet insurance
Embrace is a great pet insurance! They make it so easy to put in a claim. So thankful we haven’t had to put in a claim in a long time, but when Bootsie had an ear infection the other day, we sent in a claim and got feedback right away. I would recommend this insurance to anybody looking for a good pet insurance!
Windy Ortega
Fast and easy to submit a claim and the…
Fast and easy to submit a claim and the claim is usually paid the next day!
Semyon Rubinchik
It was straightforward and step by step…
It was straightforward and step by step instructions were provided. The whole process did not take long
TDS
Outstanding Support!!!!
We have been with Embrace since August 2024. Our coverage includes wellness, accident and illness insurance for two adult male cats. We just submitted our first two illness claims resulting from a significant, initially life threatening, stroke suffered by one of them. Treatment included emergency, ICU and stabilization procedures at one practice for two days followed by two additional days at a neurological specialist and advanced care facility. Embrace approved both claims within 24 hours. The claims process was both flawless and seamless - truly outstanding in all regards. In all aspects our experience denoted a competent, professional and caring company that provides its advertised services in an exemplary manner. Highly recommend in all regards. 6.0 on a 5.0 scale.
David Lynam
I like the ease and speed filing a…
I like the ease and speed filing a claim takes.
MJ
Quick and easy claim submission
Quick and easy claim submission. Usually doesn't rake long for reimbursement.
Kim
Quick and easy submission
Quick and easy submission. Terms of the policy seem to be fair and really help. Years ago I had pet insurance which did little to nothing.
Melvin Crandall
Embrace Pet Insurance has provided excellent service
Embrace Pet Insurance has provided excellent coverage for my Dachsund Luna. Claims have been acted upon in a quick and timely manner.
Claire
Easy to submit online and quick…
Easy to submit online and quick response time, everytime I've called with a question everyone has been friendly and courteous!
Marjorie Wilson
All went well.
All went well.
Lindsey Fincher
Exceeded expectations
The claims process was quick, efficient, easy and very fast. The claim was processed within 24 hours and the reimbursement was received within a couple days. Very happy with the entire process.
Scott Williams
Super easy submitting claim.
Super easy submitting claim.
Elise Barrett
Embrace delivers
Embrace delivers! I constantly have excellent service from awesome people. They are fast, efficient, and alerts kind and professional. As long as I have pets, I will have embrace. Elise B
Michael Stafford
FAST and EASY!
FAST and EASY!
NM
I am 100% happy and grateful for Embrace Pet Insurance
This is my first experience with pet insurance and I could not be happier with Embrace. After my dachshund was diagnosed with a significant issue, I crossed my fingers that the coverage would kick in and that it would be a seamless and easy process. It has been both simple and easy. I've submitted several claims and all of them were reviewed the day they were submitted and paid that same day. Every call I've had with them has been very helpful and pleasant. They are responsive and seem to really care about my dogs care and my experience. I wish my own personal insurance was as easy!
lynsey bruzzi
Embrace has been AMAZING!!
Embrace has been AMAZING!!! I’ve had in the last week 4 vet visits that they have been so quick with response and approval and payments for the visits!
Steven Caine
Always a prompt and accurate response
Always a prompt and accurate response
Jimmy Eubanks
User Friendly
Claim process is pretty easy.
Monica
I am so thankful I have embrace for my…
I am so thankful I have embrace for my two pups Chubbs and Darlie, it give me peace when I have to take them to vet no matter what is going on
Jennifer Traverso
Very easy to submit the claim!
Very easy to submit the claim!
Daniel Cunningham
Great experience
The claims portion is so easy to use. Well explained and fast. We made claims and 2 hours later they were complete. Great experience!
customer
Always very quick with a fair response
Always very quick with a fair response. Recommend this pet insurance for anyone with pets.
Ray Kimbrell
Very easy to submit a claim.
Very easy to submit a claim.
customer
⭐️⭐️⭐️⭐️⭐️
⭐️⭐️⭐️⭐️⭐️ I had such a great experience using this site! The process to file a claim was super easy and straightforward — everything was clearly explained, and it only took a few minutes to complete. The layout is clean and user-friendly, and I really appreciated how quick and efficient the whole process was. Highly recommend this site to anyone who wants a fast and hassle-free way to submit a claim!
Alan Landry
Our First Experience With Embrace!
Recently, our rescue puppy, JR, now 9 years old, required surgery for an ear hematoma. We have had Embrace Insurance since we brought him home but until now, had never used it, so I was a little apprehensive about filing a claim. I have to say that it was one of the easiest, most transparent processes I have ever been through with any insurance company. I uploaded the invoice from the vet, answered a few short questions, and the submission was done. The time was 3:18 pm EST. At 3:34 pm EST I received an email acknowledging the submission and giving us the good news that the claim was complete and that the surgery was covered by our policy! Embrace kept me informed every step of the way, the submission process was simple and clear, and the resolution was lightning fast! I am still shaking my head in disbelief at how easy this was, and thankful that I kept this coverage from the beginning. This is a great company that I highly recommend! Well done, Embrace!!! And THANK YOU!!!
Julie Wensel
Embrace is great!
Embrace is a great company to insure your pets; we have worked with them for at least 10 years. Submitting claims is easy, they cover a great amount, and I have never had issues with them. It's nice to have the trust that our pets can get the care they need, and we can afford it because of Embrace.
Sonia
Website is easy to work with
Website is easy to work with. Customer service and reimbursements are quick. Just hoping they can keep their rates the same as my contract is going to expire soon.
Pete Ginocchio
Easy claims submission and fast…
Easy claims submission and fast payment. Website is easy to navigate and this insurance is priced right!!
Nancy Miller-Snoblen
just followed directions they were…
just followed directions they were plain and clear
Julie Metivier
Claim
Speedy efficient responses via email and claim.
customer
Easy to file a claim.
Easy to file a claim.
linda johnson
I'm satisfied with how my claim is processed. It's expeditiously paid. No hassles.
I'm satisfied with how my claim is
Kevin H
Quick and Fair
Our Pit-Lab mix dog Coco has been insured by Embrace Pet Insurance since she was 6 weeks old. She was given a clean bill of health, and after the required waiting period, she has had full coverage up to $10,000. At the age of 3, Coco was diagnosed with Exocrine Pancreatic Insufficiency, a genetic disease that can be treated but not cured. The treatment is over $500 per month, but Embrace has been paying 80% of that cost continuously since she was diagnosed. My rates have not risen any more than a healthy dog, and they have never refused a claim.
Sandra Bixler
Fast and easy to submit claims
Fast and easy to submit claims
bill rouse
Your employees are your best…
Your employees are your best Ambassadors for your business. They ROCK!!!!!
Gulliver
Submitting a claim
Just had to submit a claim. My dog ate a corn cob. The website is very easy to work with and Embrace customer service is excellent
Janet Schaefer
Submitting a claim was way easier than…
Submitting a claim was way easier than I expected.
Amy Whitney
So Thankful For Embrace Coverage!
Pet insurance isn't cheap, especially as they get older, but it has been invaluable in giving us peace of mind when we've been concerned about a health issue. Our 10-year-old chocolate lab had a lump that turned out to be cancerous, then surgery, then complications from surgery, then three months of follow-up appointments (and cone wearing, poor thing!). The whole ordeal cost THOUSANDS of dollars and because of the high level plan we had selected, 90% of the costs were reimbursed to us. I am so thankful that concerns about money didn't prevent us from essentially being able to save his life. Our tabby cat is 9 1/2 and I just submitted her first claim; our out of pocket expenses will cover 2/3 of the deductible and because I expect additional testing and treatment to diagnose and treat whatever is causing her to have bald spots, I am again relieved to know that I can afford to do what is needed for her because soon 90% of the costs will be reimbursed. Like I said, it's pricey, but if you can manage the monthly payments, it brings so much peace of mind when those big things happen!
Jeannette Uzeta
Fast and easy claim process and reimbursement
We have been customers of Embrace for over a decade and are always impressed by their service. Pricing is fair, and I appreciate the ability to add on services like wellness. The online claims submission is incredibly easy, and the explanation of benefits is easy to understand. Even if something is not covered, I understand why. I wish all insurance were this easy to deal with!
Haymes
Quick, easy and done
Appreciate the rapid timing on claim process. Review process was quick. Received call from customer service team to discuss renewal. Provided all info requested to compare with previous numbers, as well as other options. Nice and easy website which makes it easy to submit claims.
Susan Ziobro
Embrace has covered my cats for nearly 15 years
Embrace has been covering my two cats for most of their 15 years. It has been easy to file claims. I receive electronic reimbursements. I have peace of mind that I can continue to afford and pursue quality care for my boys as they age.
Shawna Handschug
Simplicity of use.
Simplicity of use.
Brad Fischer
I am very happy with Embrace Pet…
I am very happy with Embrace Pet Insurance. We got the insurance about 5 years ago, and didn't really need to use it until this year, and the process to file a claim was really easy.
Evichip
To submit a claim is very easy
To submit a claim is very easy. App is user Friendly. Thank you for making this so easy.
Cathy Piazza
Telephone kept disconnecting after…
Telephone kept disconnecting after waiting for many minute. Disconnections when taking to a rep Finally got log in figured out and now I am happy.
BAR Kearns
Submitting a claim was easy
Submitting a claim was easy. Hopefully, I will be reimbursed for my dog's care in an expedient manner.
Ronald Greene
Excellent service!!!!
Excellent service!!!!
Ron Arpino
Always very prompt and caring
Always very prompt and caring. Never had a problem with submitted claim. From all the horror stories I hear from pet owners this is the one you should have so no headaches
Maggie Castro
Great to work with
When I purchased the policy the agent explained the coverages recommended for a puppy. I had two puppies at the time, that are now 2 years old. Since purchasing the policies for both my fur babies they have had sick visits and one hospital stay. I never though I would need pet insurance but I'm glad I chose Embace. I
Pamela G.
Easy to submit claims through the…
Easy to submit claims through the website.
Marcus Booker
Easy reimbursement
Easy reimbursement. Awesome!
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