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
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
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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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Always a simple and quick process to…
Always a simple and quick process to request for claim and the reimbursement is deposited timely.
October 12, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Guest,
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
MyEmbrace was great 7 years ago
MyEmbrace was great 7 years ago. Today, humans have been replaced with AI and the very legitimate claims I submit are put on hold for months for review. Like, requesting I send them medical records that do not exist for a rescued dog, before they'll consider reimbursement. Or, because 5 years ago, my dog had a rash on his abdomen and the catch-all word 'dermatitis' was used in 2021, my dogs severe hot spots on his hind quarters were not covered because 'dermatitis' is now a pre-existing condition. What am I paying $300 a month for ?!?
BTW, the reviewers writing to say "5 Stars! Great service!", they cannot possibly be real people who use Embrace today.
September 29, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Rebecca,
We're sorry for any frustration you experienced and we appreciate you taking the time to share that feedback as we are always looking to improve the claims process. Please note that prior to processing any accident or illness related claims, we are required to complete a Medical History Review for the pet. 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). This does not mean we need a full 12 months of records if it's not available (for example, if the pet is a new addition or born more 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.
Pre-existing conditions are defined as anything symptomatic or diagnosed prior to starting the policy and through the initial waiting or exclusionary periods and are determined directly from the notes provided to us from your veterinarian. This policy ensures that pre-existing conditions are accurately assessed and helps us provide fair and consistent coverage for all policyholders. However, 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 full name and policy number and we're happy to provide further assistance.
Best regards,
The Embrace Team
My claim for my dog has gone on for…
My claim for my dog has gone on for nearly 4 months. They’ve dragged the claim out. My claim was for an eye surgery, yet they asked for fecal results. That’s when they put a HOLD on my claim (8/24/26). When they got the results, the 3rd time (9/9/26), they said it would now take 30 days for a decision on my claim. When I asked if the claim will be decided on Oct 9th, they said no. The 30 days wasn’t calendar days, they said it takes 30 work days. Terrible customer service and even worse company for dragging things out!!!!! I plan to cancel as soon as my subscription comes due!!!
June 17, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Kevin,
We sincerely regret any disappointment you've experienced with our company. The first accident or illness related claim submitted typically takes longer 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. Typically, the first claim takes 30 business days to process, but can take longer if we do not receive the required documentation. We always work as quickly as possible and we understand this timeline can sometimes be frustrating, but it 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. We were unable to locate your account to view the specific details, but if you have any other questions or concerns, 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
Amazing reimbursement
Amazing reimbursement, efficient customer service and easy, quick process for filling claims
October 12, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Amanda,
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
Happy with Embrace and claim
This was the first claim Ive ever had to make on my animals. Embrace were very kind, efficient, and paid the claim out within a reasonable amount of time. And their Customer Service answered all questions I had in order to get thru the claim process.
September 26, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Linda,
We sincerely appreciate your kind words. We're glad our team has met your expectations and are thrilled to hear you've had such a positive experience with your policy!
Best regards,
The Embrace Team
Biggest scam ever, do not get this insurance
This company will find every reason to not pay a claim. They will claim the medical records from the annual wellness exam are sufficient then when a claim comes in, magically the records are no longer enough. Also, I moved and they raised my rate $40 more a month claiming that its more expensive for vet visits even though im still using the same vet clinic. This was after raising my rate $180 a month at renewal even though I had no claims. The claim i just put in, theres not enough room here to explain how angry I am. I literally wasted my money on this insurance. AND when I tried to question the claims Adjuster over the phone, she hung up on me and then sent me to voicemail after that. Im so done with this company. My vet clinic said they are equally upset with how my claim has been handled as they had to get invovled, and will no longer be recommending it to pet owners.
October 9, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Caitlin,
We sincerely regret that your experience with our company has not met your expectations. Our premiums are set by our data team, who conduct a substantial analysis each year, and these findings help to determine premium pricing for all policies in each state. Premiums are partially based on the claims data we have for your pet's details (age, breed/weight, sex) and the location (ZIP code territory) where you reside, so if you move to a new address the premium is subject to change. We do not currently base premiums on where your personal vet provider resides because there are no networks with pet insurance, meaning you can go to any licensed vet you choose anywhere within the US and overseas for up to 6 months if traveling. We were unable to locate your account to view the specific details of your claims, but please know we take your feedback seriously and we're happy to address your concerns. 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 pet insurance has been a…
Embrace pet insurance has been a critical partner for our Sphynx cats to make sure that their medical care decisions could be made on their needs instead of the costs. They maintained coverage when we moved overseas in support of the military.
Claims were completed quickly. And when we had to euthanize one of our beloved cats, they sent notes of condolence. They closed out that claim and issued refunds on remaining policy premiums.
October 6, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Wisdom of the Sphynx,
We're glad that our team has been able to provide you with the information and support needed to make the claims process as smooth as possible and help alleviate some of the financial stress. We sincerely appreciate you taking the time to share your experience and we're truly grateful you chose Embrace to help keep your cats healthy and happy!
Best regards,
The Embrace Team
Excellent customer service
Excellent customer service. Easy to navigate their app and side. Easy to submit claims.
September 11, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello J. Allen,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
The claim process is very smooth
The claim process is very smooth. Easy to navigate and gets reimbursed quickly.
September 30, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello,
We're happy to hear you found the site easy to navigate and the claim submission process went smoothly for you! Thank you for taking the time to share your experience!
Best regards,
The Embrace Team
I would love to see embrace raise the…
I would love to see embrace raise the amount for the wellness reward certain breeds need to see a groomer every other month and a groomer cost anywhere from $60-$100 with the allowance given you would only be able to take the animal to a groomer seven times that’s not including the other wellness that a puppy or dog would need
October 10, 2026
Reply from Embrace Pet Insurance
Hello Jason,
We appreciate you sharing this feedback as we are always looking to improve our services. If you have any additional questions or concerns, please feel free to reach out to our Customer Care team and we're happy to assist you further!
Best regards,
The Embrace Team
staff super
October 9, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Pete,
Thank you for taking the time to leave us a review!
Best regards,
The Embrace Team
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.
October 7, 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.
September 22, 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!!
October 2, 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.
September 14, 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
October 9, 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.
October 9, 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.
October 6, 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
October 6, 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.
September 19, 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
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