Embrace Pet Insurance Reviews 

Auto time, when I have a question to answer very professional, even then, that tell me when I have any questions. I can call them anytime. That's really great.

I will NEVER recommend Embrace Pet Insurance to anyone. In my opinion, this company is an absolute scam. I will be sharing my experience across all my social media platforms, with the animal rescues I volunteer with, and with everyone I know. I intend to make sure other pet owners know exactly what to expect from Embrace before they make the mistake of trusting this company with their pets.

Extremely Disappointing Experience – Embrace Pet Insurance Is Not What It Used to Be

I would not recommend Embrace Pet Insurance to anyone. I have been a customer for years, and I can honestly say this company is not what it used to be.

We originally had Embrace for our previous dog, and back then, they were a much better company. They paid for most of the expenses, and we felt like we could count on them when our pet needed medical care. That positive experience is what made us trust them enough to continue using their insurance.

This time, we rescued an older hunting hound who had been thrown away and desperately needed care. We paid Embrace's premiums for two full years before ever submitting a claim. When our dog needed emergency dental surgery to have several teeth removed, we filed a claim for his dental treatment. Embrace denied the entire claim—including the dental cleaning. The explanations kept changing. One person said it wasn't covered because we didn't have the wellness plan. Another said it was considered a preexisting condition. Which is it? Every time I called, I seemed to get a different explanation.

After everything this poor dog had already been through, we were left fighting with the insurance company that we had been paying for two years to help cover his care.

Unfortunately, things have changed drastically. Now, it feels like all they care about is collecting your monthly premiums rather than helping you when your pet needs them. I am paying $167 a month, and when it comes time to use the insurance, it feels like they don't cover a damn thing.

Their app is also frustrating and does not work well. When trying to submit claims, I was directed to send them to an email address that apparently was not being monitored or checked. As a result, I spent months paying my monthly premiums while waiting for claims to be addressed. How is a customer supposed to trust a company when the process for submitting claims doesn't even seem to work?

The customer service has been absolutely ridiculous. Every time I call, I get a different answer depending on who I speak with. I was repeatedly told to wait 30 days. Once those 30 days passed, the answers changed to things like "in a few days" or "I'm not sure." No one could give me a straight answer, a definite timeline, or any real resolution. It is beyond frustrating to keep being put off while they continue collecting my monthly payments.

To make matters worse, when I asked to speak with a supervisor, I was told they would take down my name and have someone call me back. I should not have to chase a company for a supervisor just to get answers about a claim. I was paying $167 a month and couldn't even get someone in a position of authority to address my concerns.

Embrace used to be a company I trusted. Now, I feel completely let down. Pet insurance is supposed to provide peace of mind, not leave you fighting for answers while worrying about how you're going to pay your pet's medical bills.

My experience has left me feeling that Embrace cares more about collecting premiums than taking care of the pets they insure. I trusted this company for years based on how they treated us with our previous dog. I would never recommend trusting Embrace with your pet's insurance. In my opinion, paying $167 a month for this kind of experience is an absolute scam.
Embrace please don’t even bother writing some bullshit response back. You have lost a loyal customer and will never get me back.

We experienced great service when filing claims for our pet. We did not encounter any issies.

★★★★★ 5 Stars – Excellent Pet Insurance and Peace of Mind!

Having reliable pet insurance gives me tremendous peace of mind knowing my pets are protected. Our pets are family, and their health and well-being are extremely important to us. Finding insurance that offers comprehensive coverage, reasonable rates, and dependable protection makes all the difference.

I appreciate a company that understands how much our pets mean to us and helps make quality veterinary care more affordable. Knowing that Taco and Luna have protection when they need it most is reassuring.

I highly recommend considering pet insurance to anyone who loves their animals and wants to provide them with the best possible care. It’s an investment in their health, happiness, and future!

Their policy is not forthcoming and in my opinion based on other experiences with Pet Insurance, Embrace is the worst of all. They do not allow bills [that are not covered] to go toward your deductible. Therefore, when I calculated the expenses for services covered, my monthly charge for the insurance, the vet bills not covered under the plan for one year and compared what I would get back once the deductible was met, this plan was NOT WORTH IT! They also have a terrible customer service team who seems to only communicate through EMAIL! Not one representative whom I had encountered, bothered to return any of my calls. This review is based on TRUTH AND VERY SPECIFIC DETAILS FOR one claim which should have been covered under my plan, but it was denied!

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 quarrel; and they reimburse quickly. I can't imagine what else I'd want from an insurance company (aside from lower premiums, but some of that is my choice to set the deductible and percent covered)! They've been amazing overall.

My claims are usually processed quickly, I get reimbursed the correct amount and that also is deposited quickly. I don’t have to argue with anyone about my coverage and what I should be getting back. The few times I’ve had to call in the customer service was excellent.

Had insurance for a year with Embrace until my dog tore his CCL running in the field. Embrace did not cover hospital diagnoses visit, pre surgery consultation and the required blood work, and did not cover the actual TPLO surgery to repair the leg. How is tearing a CCL during a run a pre existing condition?? Please read more on Google review. I didn’t have a good feelings about them. They are polite but seem dishonest. I wrote this review not to hurt their business but to try to save people the headache, frustration and money. Find another company if you must have insurance but I have a hard time trusting pet insurance from anyone after this experience. Should not be this complicated.

Embrace just does its job and does it seamlessly and promptly. Over the past couple years I’ve had to file several claims and I never question whether it’s going to happen and within a couple days it’s done and done correctly. You can’t do better than they do!

Horrible, horrible, horrible!! Nasty people and piss poor tactics. My little guy has been perfectly healthy all his life until he reached 9. He had a problem with some teeth needing to be extracted (supposedly covered) and arthritis in his hind legs over the last year. denied, denied, denied. Afrer enrolling and paying for the policy for well over 2 years this is the first time I ever put in a claim. first they told me it was too late to be covered by the policy term?! WHAT?! Yes I apparently put my claim in 4 days after the policy renewed so it was a new policy. Like I just began again? What?! Then they told me they had to get all his records since a year before I got the policy, so I waited, and waited, and waited. finally I called the vet and they said they never got a request for records. So the vet sent them my boy’s entire record from the time I adopted him and it basically had nothing but vaccinations and check ups. As I said, he was a very healthy little guy. then they called on the emergency vet that I took my other dog to before he died and told me they had to verify records from there even though it was for THE WRONG DOG! Don’t you think they should have checked all his records during the waiting period, in the begining, when they agreed to cover him?! He had NO pre existing conditions! Now I have to try to find new pet insurance and he does have pre existing conditions so it is not even worth looking. SCREW EMBRACE AND USAA!!

I've been with Embrace Pet Insurance since 2019 for my dog, and I couldn't be happier. What I love most:
Fast Reimbursements: When my pet needed treatment for kidney disease and other things, submitting the claim through the app took less than two minutes. The reimbursement money was deposited directly into my bank account within a few days.
No insurance pays for absolutely everything, but Embrace is transparent about what’s covered. They have saved me thousands in unexpected vet bills and given me total peace of mind. Five stars!

Easy to file claims, and they are approved quickly.

I deeply regret switching from Nationwide to Embrace Pet Insurance three years ago. I currently insure two senior dogs through Embrace, and I recently discovered just how restrictive and unfair their policies can be.

When I contacted Embrace about lowering my existing $1,000 deductible, I was informed that doing so would essentially restart my coverage. Not only would the waiting periods reset, but according to their representatives, conditions for which Embrace has previously accepted and paid claims could now be classified as pre-existing and excluded from coverage.

Let that sink in.

I am not switching insurance companies. I am not enrolling new pets. I am an existing customer attempting to modify my deductible with the SAME company that already has my dogs’ medical histories and claims records.

How is that reasonable?
This effectively TRAPS pet owners in their existing policies, forcing them to choose between keeping an expensive deductible or potentially losing coverage for previously covered conditions. For owners of senior pets, that is an especially cruel position to be in.

When I challenged this policy, the representatives repeatedly told me it was “standard” and offered no meaningful solution. Being told something is standard does not make it fair, ethical, or consumer-friendly. All three representatives fell back on the same scripted response: “I know this isn’t the answer you wanted to hear.” I wasn’t looking for a rehearsed expression of sympathy. I wanted a reasonable explanation and a meaningful solution. I got neither.

My frustration goes beyond this incident. Embrace has repeatedly been disappointing when it comes to actual coverage. When my other senior dog, Shorty, passed away, they would not even cover his euthanasia.

Pet owners purchase insurance because we want to provide the best possible care for our animals, particularly as they age. We pay premiums year after year believing we have some financial protection when we need it most. Instead, I feel penalized for remaining a customer and for having actually used the insurance I’ve paid for. A company should not be able to use its own history of approved claims as a reason to exclude those same conditions simply because an existing customer wants to lower a deductible.

I regret leaving Nationwide, and I would strongly encourage anyone considering Embrace to ask very specific questions about policy modifications, pre-existing condition exclusions, and what happens to previously covered conditions before enrolling.

Loyalty should count for something. At Embrace, it apparently doesn’t.

Embrace has helped us to treat our dog with cancer for almost 2 years. They have been phenomenal. We highly recommend Embrace!!!!

Scammers!
Don’t even consider Embrace Pet Insurance for one second…Hard Pass!!!
They are more than happy to take your money, stall, no communication, and never pay out on any claims. “Everything is considered a preexisting condition.” We have two dogs that are very well bred and healthy
When something unexpected occurs and you file a claim…..crickets and a denial.
I would give less than one star if I could.
Run….Find another company, unless you are okay with paying tens of thousands on top of the monthly useless premium.
Our babies are priceless and we’ve decided to just continue to pay for all veterinary care out of pocket regardless of cost.
I just don't like being played.

My claim took a little longer to resolve because Embrace Pet Insurance needed more information from the vet I take my cat to. Then when the claim department received what was necessary it was quickly processed and came back denied. I accept that the claim was under a pre existing condition so it was denied. Pet insurance as with peoples insurance is what it is. I was given an in depth clarification as to why my claim was denied, and I accept the explanation. I appreciate the claim person getting back to me quickly and this is with ALL insurance companies.
Thank you Embrace Pet Insurance.
Sincerely,

Kristi Brockman.

Timeliness is beyond belief. Usually resolved same day submitted. Each claim explained in terms easy to comprehend.

I am frustrated with how much this Insurance company is putting me through to approve my dog’s claim! Is seems as if I am getting the run around.

The claim file process is very easy. When my invoice appeared blurry, Ms Santiago had me email to her and she confirmed receipt and readability. She transferred the invoice to the correct dept for payment.

My claim was reviewed very promptly and we received reimbursement quickly. The process was very simple and easy. I pay high preimum for my dog's insurance, but I feel it's worth it.