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
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
Company replied
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
Company replied
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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Sad in Nebraska
Typically, I’ve been happy with Embrace, this past experience I have not. I have four dogs I had sent in all the paperwork soap, notes, invoices, etc. and yet they are dragging their feet saying they do not have everything they need so now I’m having to wait for them to say that they need to get additional information from the doctors office which is simply redundant.
26 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Mary,
We sincerely regret any frustration you've experienced with your claims. Although we try to process claims as quickly as possible, they can take longer to complete if we are missing any required documentation (medical records, a complete invoice, clear diagnosis or reason for the visit, etc.). Please feel free to reach out to our Customer Care team at 800-511-9172 and a team member will be happy to provide further clarification and assistance with any questions you have.
Best regards,
The Embrace Team
Rates went up from $578.80 a year in…
Rates went up from $578.80 a year in 2025 to $1088.35 a year in 2026. My dog has had coverage through embrace since he was a puppy and he is perfectly healthy. He’s not even that old he’s six. No significant claims or health issues this year, just pure greed.
Scam. Do not buy insurance from these people, look elsewhere.
26 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Sean,
We understand that premium increases are challenging, and we truly regret any disappointment you experienced with your renewal quote. As a customer of Embrace for multiple years, 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.
Best regards,
The Embrace Team
Terrible experience
My experience with Embrace has been frustrating from beginning to end, particularly when it comes to transparency, claims processing and customer service.
First, it feels as though Embrace actively discourages customers from speaking with someone by phone. Wait times are extremely long, and when you finally reach a representative, the first-level customer service staff often do not seem to have the information or authority needed to actually resolve an issue. Instead, you are told that your information will be passed along to someone more senior who will call you back. Sometimes that happens, and sometimes it doesn’t. The experience is inconsistent at best.
This is particularly frustrating because Embrace makes it very easy to purchase a policy online, yet I found the online marketing and explanation of coverage anything but clear. I believed I was purchasing a standard policy that would cover non-routine veterinary care for my dog, aside from medications. I reasonably assumed that if my dog became ill and needed to see the veterinarian, the visit itself would be covered. Only after submitting my first claim did I learn that the visit for an illness was not covered under the policy I had purchased.
I do not believe this limitation was made sufficiently clear during the online purchasing process. If an illness-related veterinary visit isn't covered, that is significant information that should be presented prominently and unmistakably before someone purchases a policy, not discovered after filing a claim.
The combination of unclear online information, lengthy claims processing, extremely long phone waits, and first-level representatives who are unable to provide meaningful assistance has left me with very little confidence in Embrace.
22 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Lucy,
We are sorry to hear that your experience with our company has not met your expectations and we understand that you may occasionally experience delays in reaching us by phone due to high call volumes. We sincerely regret any inconvenience that may cause, but please know that we are actively taking steps to minimize hold times and we appreciate your patience as we assist each Pet Parent with care. Our claims adjusters are not always available on demand, but all of our team members try to follow up within 2 business days. We were unable to locate your account to view the specific details of your claims and the coverage parameters you selected, but please feel free to reach out to embracesocial@embracepetinsurance.com with your full name and policy number and we're happy to provide further assistance.
Best regards,
The Embrace Team
I am very impressed how on top of my…
I am very impressed how on top of my bill you were and I got it within two days. I’ve never had that with another Insurance thank you.
24 October 2026
Reply from Embrace Pet Insurance
Hello Marilyn,
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
When I submitted my first reimbursement…
When I submitted my first reimbursement request by email, I never received my reimbursement. After following up a month later and calling customer service for assistance, I was finally told that my photo was unclear. The problem is that nobody ever contacted me to let me know there was an issue or give me an opportunity to resubmit it. I had to chase this down myself.
As a senior who has difficulty navigating computers, I specifically appreciated being told that the process was simple. Instead, it has been unnecessarily complicated and time-consuming. I am now considering dropping the rewards program at renewal because the effort involved is simply not worth it.
I hope my experience with medical claims will be better, as I have not yet had to submit one. However, my first experience has certainly affected my confidence in the company’s customer service. Embrace needs to do a better job communicating with customers, especially when a simple notification could prevent so much frustration.
1 October 2026
Reply from Embrace Pet Insurance
Hello Arlene,
We sincerely regret any frustration you've experienced with our service. 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, but we do copy you on the requests for your reference so that you are kept in the loop. We also provide status updates via email and via your customer account. We understand technology can sometimes be tricky and difficult to navigate, and we are here to help any time you have questions or would like clarification. We see you've already spoken with a team member regarding your concerns, but if you have any additional questions 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
Embrace is ok!
It’s expensive but the customer service is good, the claim reviews and refunds are taken care of expeditiously.
24 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Deborah,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
This company doesn’t care about…
This company doesn’t care about customers. I haven’t filed a claim in 3 years and my insurance just went from $90 a month to $233 a month for the same coverage. What a joke. Vet costs and inflation haven’t more than doubled since last year. Hahahahahaha VVV what a joke. You need to get better data analysis. I cancelled embrace and will never return. I got twice the coverage from Lemonade for $80 less a month and I’m a new customer. Also I called the listed number for embrace and they didn’t care and didn’t help me. Stop lying about personalized solutions.
15 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Brett,
We understand that premium increases are challenging, and we truly regret any disappointment you experienced with your renewal quote. 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.
Best regards,
The Embrace Team
From $10 to $200 Per Month- Premium Skyrockets
I have used Embrace for 8 years, and am a USAA member. My two cats were insured as kittens, and initially their premiums were about $10 a month. One of them has just had his premium increased to $200 **a month**, and he is going to have to be put down, because I can no longer afford his insurance. Mr. Fluffalump was healthy, no issues, until he came down with a UTI. Embrace assured me that I could use his policy as much as I wanted, but the amount of claims would never affect his premium. They flat out lied. I have been in touch with the Executive team, as my other two dogs are also insured with Embrace, and at first they denied that his claim history had anything to do with his skyrocketing premiums. I have pointed out to them that Christine, my other kitty, has been insured for the exact same length of time, but her premiums have never skyrocketed. They say they record all calls, but they will not grandfather his lower premium, even though I was misled by the Embrace reps.
24 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Sam,
We sincerely regret that your experience with our company has not met your expectations. We understand our team has followed up to address your concerns and provide further assistance. If you have any additional questions, please feel free to reach out and they will be happy to assist as they are able.
Best regards,
The Embrace Team
They wont process my claim because they…keep asking for medical records for the 3Months before she was born
They wont process my claim because they keep asking for medical records for my dog for 3 months before she was born. I keep telling them but they just sending me emails. I called 5 times explaining it and the message dosent get thru
23 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Clyde,
We are sorry for any disappointment you experienced with our company. The first accident or illness related claim submitted typically takes about 30 business days to process as we work directly with you and your vet providers to gather any additional medical records needed and review your pet's complete medical history. We look for the detailed chart notes from any exams/visits that occurred within the 12 months prior to starting the policy and through the initial waiting or exclusionary periods. Please note this does not mean we need a full 12 months of records (for example, if the pet is a new addition or born recently), it is just the parameter we set for any pet to make sure there was a sufficient pre-policy exam done and so that we receive the required records.
We work as quickly as possible, but this timeline allows us to maintain accuracy and quality in processing your claim. Once the review is complete, your pending claim will move forward for processing and it's a much smoother process moving forward. 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 full name and policy number and we're happy to assist you further.
Best regards,
The Embrace Team
Best Pet Insurance Company
We are so glad we chose Embrace to insure and protect against unexpected Veternary expenses. The entire Claims process is quick and easy. Thank you Embrace!
29 September 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello T Masla,
We're glad to hear that you found the claims submission process quick and easy! Thank you for leaving that feedback and for choosing Embrace to help keep your furry family members happy and healthy!
Best regards,
The Embrace Team
Great service
Great service, and interactive time ,just things ,i wasn't told weren't included in my policy
15 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Donald,
Thank you for taking the time to share that feedback. We’re happy to hear you’ve had a positive experience with our service! If you have any questions regarding your coverage, please feel free to reach out to our Customer Care team at 800-511-9172 and we're happy to provide further assistance.
Best regards,
The Embrace Team
Outstanding and efficient
Embrace is an outstanding company with representatives that are extremely knowledgeable, supportive, and friendly. Their online claims process is easy to navigate and efficient. Submitted claims receive an email response so that you can follow the process. My experience has been outstanding; my claims have been processed and completed in under five minutes, with most being done in under two minutes.
23 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Sharon,
We strive to provide our customers with knowledgeable and helpful support, and we're pleased to hear that our team met your expectations and you were satisfied with the processing of your claims! Thank you for leaving that feedback!
Best regards,
The Embrace Team
Delay Demand and 30 business fays to…
Delay Demand and 30 business fays to decide if my claim
21 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Chari,
We sincerely regret any disappointment you've experienced with our service. The first accident or illness related claim submitted typically takes about 30 business days to process as we work with you and your vet providers to gather your pet's medical records and carefully review the details to make sure everything is in order. We understand this can sometimes be frustrating and we always work as quickly as possible, but this timeline allows us to maintain accuracy and quality in processing your claim. Moving forward, we want to assure you the process is much smoother and our standard processing time is 10-15 business days. If you have any other questions or concerns, please feel free to reach out to our Customer Care team and we're happy to provide further assistance.
Best regards,
The Embrace Team
Website and app have not worked for…
Website and app have not worked for over 6+ months.
23 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Courtney,
We recognize the technical issues that were affecting our website and app and we are sincerely sorry for any frustration or inconvenience you've experienced. There have been recent bug fixes deployed that have solved the majority of issues for our users and we are diligently working to resolve any remaining ones. Please give us a call at 800-511-9172 and a representative will be happy to assist you with further troubleshooting!
Best regards,
The Embrace Team
I am very happy that we chose Embrace…
I am very happy that we chose Embrace for our pet insurance. Questions are always answered respectfully and easy to understand. They take their time with you and make you feel that you are very important. They are compassionate about delicate situation and offer their heartfelt care to their clients.
23 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Cynthia,
We are incredibly grateful for your trust and are dedicated to providing compassionate, clear, and supportive care during every situation. Knowing that you feel valued and heard means the world to us, and we sincerely appreciate you sharing your experience.
Best regards,
The Embrace Team
Having the ability to submit online was…
Having the ability to submit online was very valuable. Reimbursement was fast and painless!!
19 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Joseph,
Thank you for taking the time to share that feedback! We’re glad to hear you found the claim submission process user-friendly!
Best regards,
The Embrace Team
This was a great experience
This was a great experience, very easy, and everyone was extremely helpful! This is so hard to find with insurance right now, but I would absolutely recommend Embrace!
22 October 2026
Reply from Embrace Pet Insurance
Hello Lauren,
We are glad you enjoyed your experience with our team! We know navigating insurance can be difficult, and we are happy to make the process simple and helpful. Thank you for your recommendation!
Best regards,
The Embrace Team
I added a second dog and got denied coverage
I had one dog on Embrace and then added another dog. I did NOT get a new policy just added a second dog That process was simple and they accepted my premium. Me the and months go by.
I NEVER heard from anybody at Embrace that they needed any further information
about Dog #2 so I assumed we had full coverage. They did accept my premium payments just fine and have had the payments for a LONG time with no claims ever filed.
On 8/8/26 had an emergency vet visit for sick dog and found out Dog #2 has cancer. We did the treatments and paid the vet and submitted claims. All claims were denied as “pre-existing” because they said Dog #2 coverage only started 8/8/26 therefore all claims were for pre-existing cancer. They even said euthanasia would not be covered if it was related to the cancer!!!!
I believe customer service is all AI. NOT Human.
They have no compassion or empathy. I am trying to get my policy cancelled so I never have to deal with them again.
22 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Cindy,
We understand how stressful it can be when a pet experiences an unexpected illness, and we sincerely regret that your expectations were not met. Our only requirement in order for the coverage to take effect at the end of the initial waiting or exclusionary periods is a documented physical exam by a licensed vet either within the 12 months prior to the start date of the policy or within the first 14 days. We strive to be as transparent as possible regarding the coverage, and this condition of the policy is noted in the acknowledgements that have to be agreed to upon purchase and in our onboarding emails. We understand this was not be the outcome you were hoping for and you've spoken with a representative regarding your concerns, but if you have additional questions, please feel free to reach out and we're happy to assist as we are able.
Best regards,
The Embrace Team
Embrace has always processed my claims…
Embrace has always processed my claims quickly and with compassion. When my cat passed away last year, Embrace sent me a lovely card.
23 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Chris,
We're glad to hear you've experienced helpful and compassionate service from our team, especially during such a difficult time, and we sincerely appreciate your kind words. Thank you taking the time to leave that feedback!
Best regards,
The Embrace Team
Easy to submit claims
Easy to submit claims. The best customer service ! I'm truly happy with trusting them for my furbaby's health care needs. They have been a blessing through his cancer treatment.
22 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Kimberly,
Thank you for taking the time to share that feedback! We understand this has been a challenging time for you and your fur baby, but hearing that we can provide some peace of mind and support during his cancer treatments means the world to us. Please know we are sending well wishes and positive thoughts for his continued health and healing!
Best regards,
The Embrace Team
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