Must start off saying Embrace is wonderful when it comes to paying claims quickly. With that said for nearly $45 a month for each of my cats, this doesn’t even cover the annual vet visit either bloodw... See more
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Review summary
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Embrace has been truly excellent for the past decade that I've insured my dog. It's simple to submit claims; they evaluate and respond quickly; they cover everything the policy says they will without... See more
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I don’t know what we would have done without Embrace’s safety net for our Great Dane Abby. Big dogs cost a lot more and knowing that cost does not make life saving decisions for us, was so calming wh... See more
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A relatively new customer, our sweet kitty Marty has come down with some serious issues - enlarged spleen, severe anemia, diabetes and lord knows what else. This has been a literal lifesaver for him... See more
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Company details
Written by the company
Embrace is a family, and when you Embrace your pet, you sign up for more than just insurance – you become part of the family. Embrace Pet Insurance promises to provide genuine support and certainty when pet parents need it most.
Contact info
4530 Richmond Road, 44128, Warrensville, United States
- 1 800-511-9172
- hello@embracepetinsurance.com
- embracepetinsurance.com
3.7
Average
11K reviews
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I’ve been using Embrace pet insurance…
I’ve been using Embrace pet insurance through USAA. During my initial onboarding, I had to provide my cats’ medical history, which I did. However, two years later, when I filed a claim, I was informed that the history I provided wasn’t sufficient. It’s important to note that the history I provided was enough for our first cat, but not for my second. I urgently need a standard for future claims.
7 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Kenneth,
We sincerely regret any frustration you experienced with the claims process. When a policy is first purchased, we offer an option to complete a complimentary Medical History Review upfront for your pet. It provides you with a detailed report of anything considered pre-existing and not eligible for coverage. However, if this review is not requested by the Pet Parent, we do not review the medical records until the time of the first eligible accident or illness claim submission. This information is also stated in our onboarding emails.
In order to complete the Medical History Review, we need the records from any vet providers your pet saw within the 12 months prior to the start date of your policy and through the initial waiting and/or exclusionary periods. We specifically look for the detailed chart notes (also known as SOAP notes – subjective, objective, assessment, plan) in which the vet has recorded examination findings, pet’s health status, and test results (if applicable).
We see a team member followed up to provide clarification and your claims have finished processing, but if you have any other questions please feel free to reach out to our Customer Care team and we're happy to help!
Best regards,
The Embrace Team
Embrace made a tough period for the family even harder
My dog had this policy for about 8 months and every claim except a wellness visit was denied. My dog recently died due to high fever and lethargy and after I submitted a claim for his death bill this company says it was part of his chronic dermatological issues. He did not die due to a skin condition. This company made a difficult time for my family EVEN HARDER. I STRONGLY recommend anyone considering pet insurance to STAY AWAY from this company. And for perspective my dog was only 7 years old and NOT in the twilight of old age. I even hate giving this company one star because that is too much credit, in my opinion.
22 September 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello David,
First and foremost, we are so very sorry for the loss of your beloved dog. Please know our hearts go out to you as you navigate this challenging time, and we sincerely regret any disappointment you experienced with the outcome of your claims. We strive to be as upfront as possible about our coverage and the exclusion of pre-existing conditions, which are defined as anything diagnosed or symptomatic prior to starting the policy and through the initial waiting and/or exclusionary periods. We go directly off the notes from your vet provider to determine pre-existing conditions, but any time you feel there was an incorrect assessment we welcome you to discuss your concerns with our team. We were unable to locate your account to view the specific details, but please feel free to reach out to embracesocial@embracepetinsurance.com with your name and policy number and we're happy to address any other questions you have.
Best regards,
The Embrace Team
Fabulous pet insurance
Embrace has taken wonderful care of our Grace and responds quickly to claims!!
2 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello MT,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
I originally got Embrace when someone…
I originally got Embrace when someone gave my husband an Australian Shepherd. I had a little Havanese with CHF which was a preexisting condition, so I waited on her but changed my mind because anything could happen not related to her heart, and it did. She was diagnosed with bladder stones and couldn’t do surgery because of her heart.
The claims took a while but it was mostly my fault because I wasn’t sure how to submit them. Embrace was great in contacting Emergency Vets, her regular vets And getting what they needed
to file the claims. I received my refund once everything was completed. She
passed away suddenly and when I called to let them know, they were very sympathetic and helpful in canceling her policy. I will definitely keep our shepherd enrolled with them and will recommend them to friends and family.
14 September 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Barbara,
We're so very sorry for the loss of your beloved dog! We understand this has been a challenging time, but we're glad to hear our team was there to help make the claims process as smooth as possible. Thank you for your kind words and for taking the time to share your experience!
Best regards,
The Embrace Team
This company sucks
This company sucks, they take forever to process and don’t even fully reimburse they will say “recommended drugs aren’t covered” when the doctor literally says to give your pet the medication and their wellness coverage makes no sense it cost more than what your able to get reimbursed get back from it pretty much waste of money, DO NOT recommended find another insurance
9 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello nightowl,
We sincerely regret that your experience with our company has not met your expectations, and we want to assure you that we are committed to providing consistent and comprehensive coverage for pets throughout their life, with 92% of the claims we receive qualifying for coverage. We were unable to locate your account to view the specific details of your claims, but we're happy to address any questions you have. Please feel free to reach out to embracesocial@embracepetinsurance.com with your full name and policy number for further assistance.
Best regards,
The Embrace Team
Embrace is Top Notch!!
We have used Embrace since we got our beloved dog 3 years ago. We have had nothing but the best experiences every single time we have submitted a claim. Their submission process is super easy, the decision process is very quick, and reimbursement is within days of submission. We have recommended them to all of our friends. They are customer service oriented in a world where that is hard to find anymore.
9 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Shannon,
Thank you for letting us know that our team's dedication and support have made such a positive impact! We are committed to going above and beyond to ensure we provide exceptional service, and we sincerely appreciate you sharing your kind words!
Best regards,
The Embrace Team
Provided me the right options for what…
Provided me the right options for what i needed. Professional and knowledgeable. You can train for knowledge. Professional and nice is an asset in customer service.
6 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Kathryn,
Thank you for the kind words and for sharing that feedback! We strive to provide our customers with knowledgeable and professional support, and we're pleased that our team has met your expectations!
Best regards,
The Embrace Team
Embrace pet insurance and app is very…
Embrace pet insurance and app is very easy to use and makes filing a claim simple. They also offer preventative / wellness benefits
6 October 2026
Reply from Embrace Pet Insurance
Hello Lisa,
We’re thrilled to hear you've had a smooth experience with the submission and processing of your claims. Thank you for taking the time to share that feedback!
Best regards,
The Embrace Team
The claims processing went through…
The claims processing went through very easily. However, the vet hospital sent Dakotas records 4 times. I am not sure if one hand doesn't know what the other hand is doing. After the claim was processed and paid there was yet another request to the vet for records.
19 September 2026
Reply from Embrace Pet Insurance
Hello Randi,
We're happy to hear you had a positive experience with the processing of your claim! If we are ever missing any required documentation to process a claim, our standard procedure is to reach out directly to the vet provider on your behalf. Sometimes an automated email request may go out before we've had a chance to update the information in our system and we apologize for any confusion that may have caused! If you have any other questions or concerns, please feel free to give us a call at 800-511-9172 and we're happy to help.
Best regards,
The Embrace Team
Do Not buy their insurance
I would do zero stars but this doesn't allow. Be ware of them. It's all good until it isn't. I have had their insurance for about 10 years. My current policy renewal is doubling in price. I was told the main factors are because I've had the policy so long, where I live. Once your pets hit a certain age, they double your policy.
They play on the emotions of pet owners and use that against them to squeeze more money out of customers. It is shameful and their President Scott Stice should check his morale compass.
A friend recently had this happen to her as well. She cancelled her policy and I am plan on the same. I urge everyone to cancel their policies with this morally corrupt company.
8 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Laura,
We understand that premium increases are challenging, and we truly regret any disappointment you experienced with your renewal quote. We know that as a customer of Embrace for multiple years, you have experienced a premium increase before and in light of that, some of this information may already be familiar to you, but Embrace conducts a data analysis each year, and it is these findings that help us to determine increases in premium pricing for all policies for the term ahead. Our team focuses on multiple factors, including the age of the insured pet, the tenure of the policy, and 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, but the reality of the premiums is that they do go up over time as our pets get older to account for the increasing risk of illness and injury. However, we do structure our policies to allow you to change coverage parameters to adjust the premium based on what you feel is best for your individual pet and situation. Our goal is to work closely with each policyholder to explore personalized solutions and adjust coverage as needed to support you during this time, so if you would like to explore these options further, please feel free to give us a call at 800-511-9172 and we're happy to assist you further.
Best regards,
The Embrace Team
Highly recommend
Had Embrace for 5 years for my French BullDog Sir Winston. They were fast, professional and always had my invoices processed within 2-3 days. Highly recommend company!
9 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Dani,
Thank you for taking the time to share that feedback! We’re happy to hear you’ve had a positive experience with our team and we appreciate your recommendation!
Best regards,
The Embrace Team
Worth the peace of mind
We have five animals with Embrace pet insurance policies and so far this company has been fantastic about covering the cost of care when we have needed it.
Last year we had a cat who needed emergency PU surgery and it was covered by Embrace. I felt so fortunate to know I could get our boy help, because otherwise I’m not sure I could have afforded it. Today he is happy and healthy and I’m so glad he’s with us. Recently another of our cats was diagnosed with diabetes and hospitalized for two nights. Embrace covered her hospital stay and let us focus on learning to care for her and getting her well instead of worrying about money.
The claim process has gotten even better and it is so simple to submit one. I have often done it from the passenger seat on our way home from a vet visit and have sometimes had it approved on the short ride home. Having our Embrace policy makes me feel comfortable knowing that my pets will get care if there is an illness or emergency.
25 September 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Shannon,
Thank you for taking the time to share your experience! We understand the emotional and financial burden that comes with our fur babies being sick or hurt, and we are glad your policy was there to help during your time of need!
Best regards,
The Embrace Team
Very easy to submit my claim and the…
Very easy to submit my claim and the money was in my account next day!
6 October 2026
Reply from Embrace Pet Insurance
Hello Thomas,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
Excellent insurance
My claims are processed quickly and they’ve helped me afford lifesaving treatment for my cats.
8 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Sarah,
We strive to provide exceptional customer service and to process claims as efficiently as possible, so we're pleased to hear you've had a positive experience with our team! Thank you for taking the time to share your feedback.
Best regards,
The Embrace Team
My first time using Embrace -both…
My first time using Embrace -both claims were processed within 2 days, and claim pmt was also posted to my bank acct within 2 days. I did contact customer service on one the claims and Tiffany answered immediately and explained the 20% coins. I was never put on hold.
Excellent claims processing and customer service. I highly recommend Embrace for all your fur babies.
3 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Donna,
We strive to provide exceptional customer service and to process claims as efficiently as possible, so we're pleased to hear you've had a positive experience with our team! Thank you for taking the time to share your feedback.
Best regards,
The Embrace Team
Embrace processed my insurance claim in…
Embrace processed my insurance claim in a timely and efficient manner!!
8 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Troy,
We're pleased that our team has met your expectations! Thank you for the kind words and for sharing that feedback!
Best regards,
The Embrace Team
Reply from Embrace Pet Insurance
Hello Fr j,
We appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
Once they received my claims and…
Once they received my claims and reviewed them, they responded quickly to the claims with either payments or requests for additional information.
7 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Nancy,
Thank you for taking the time to share that feedback! We’re happy to hear you’ve had a positive experience with our Customer Care team and claims service!
Best regards,
The Embrace Team
Reply from Embrace Pet Insurance
Hello Sally,
We're pleased that our team has met your expectations! Thank you for the kind words and for sharing that feedback!
Best regards,
The Embrace Team
3 years of paying for this with 3 years of headaches
They take about a month to get to your claim. That whole month they look for a reason to conclude your pet has a pre-existing condition and not pay. Take pet in for diarrea or vomiting, anything and everything to do with mouth or butt is now “pre-existing condition” for an entire rolling year. Their wellness plan is a joke. They only reimburse what you pay into it. It isn’t coverage, it’s a budgeting/savings plan only disclosed to you in the fine print that no one reads. They only reimburse what you put in. Go the entire year without using any of your wellness plan budget, while paying and adding funds to it all year long, they keep your budget! Ask me how I know!
8 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello KaveMan Aquatics,
We sincerely regret that your experience with our company has not met your expectations. We strive to be upfront about our coverage and the exclusion of routine or preventative care under the accident and illness insurance policy. We understand preventative care is important too, which is why we also have our optional Wellness Rewards plan which reimburses for routine and preventative care so that each Pet Parent can customize their policy to better fit their needs. We were unable to locate your account to view the specific details of your claims, but we're happy to address any questions you have. Please feel free to reach out to embracesocial@embracepetinsurance.com with your full name and policy number for further assistance.
Best regards,
The Embrace Team
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