The customer service was very good. When they received the information from the Dr they reviewed and responded within a reasonable time. Thank you
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I have mixed feelings about this pet insurance company, they went from being $45 to have both my cat & dog insured with illness/accident & wellness that was 3 years ago now, they are charged & I'm "f... See more
Company replied
Ok company. Cost escalated when my boy turned 7 yo. than mine. Staff was nice on phone. Would investigate all companies to make best choice. Did reduce to accident insurance as little more than 300 p... See more
Company replied
I would say this was a 4.8 stars experience. This particular illness for my dog was many vet visits and a hospitalization in which my vet invoices daily. That means I had to file many "claims". Othe... See more
Company replied
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
3.9
Great
11K reviews
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Best pet insurance we ever had for our…
Best pet insurance we ever had for our pets, 100% support, excellent customer services. They comply with what is in the contract.i am recommending them 100%
April 25, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Jess,
Thank you for sharing that feedback and for your recommendation! We strive to provide excellent customer service and are happy to hear you’ve had a positive experience with our team!
Best regards,
The Embrace Team
First time filing-Outstanding!
We filed our first claim with Embrace for our girls annual wellness exam. Initially there were some technical issues that customer service had to get their IT department to fix. That was accomplished in a short period of time. We filed our claim that same day and were notified within 24 hours the claim was completed and reimbursement would be in our account! I have used 2 other pet insurance companies previously and this is the first time that our claims were completed so quickly. Their customer service and claims departments are outstanding. Only wish we had use this company previously!
April 22, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello,
We're glad to hear that our team was able to quickly address your concerns and resolve the issue. We strive to ensure all claims are processed accurately and efficiently, so we appreciate you taking the time to share your feedback!
Best regards,
The Embrace Team
Support staff very helpful in…
Support staff very helpful in submitting claim forms. They also connect directly to the provider for information.
Even though they are an online service they do provide humans for help when needed.
April 14, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Bill,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
DO NOT BUY EMBRACE HERE'S WHY
I paid Embrace $31,200 over 13 years, to ensure my senior dog would have insurance that included a $750 deductible; with only 2 medium sized claims that were still under my annual max. Embrace increased my premium to $550 a month! Didn't even ask me raised the rate and emailed me one time. Now where do I get senior dog insurance? This cancels the reason I was ever a loyal customer, was for my dog's senior years. They invested my money and made far more than what they paid me out tiny claims, if any. I feel dumped at a critical time I might finally need pet insurance - even though my dog is still super healthy. I do not reccommend buying Embrace Pet Insurance. Disappointed and feel really used for paying them a healthy premium all these years to get clearly pushed in to me cancelling the policy now that my dog is 13. Give me a break who can afford $550 a month for a dog, If I could afford that monthly, I wouldn't need stupid dog insurance to begin with.
April 22, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Katie,
We understand that premium increases are challenging, and we truly regret any disappointment you've experienced with your policy. 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 an actuarial 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 renewal increases are based on multiple factors including the age of the insured pet(s), tenure of the pet(s) on 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. Our goal is to work closely with each policyholder to explore personalized solutions to support you during this time, but we understand you must do what you feel is best for you and your dog. We see you've already spoken with a representative regarding your concerns, but if you have any other questions please feel free to reach out and we're happy to assist you further.
Best regards,
The Embrace Team
SHOP AROUND. The longer you have Embrace claims or not, the higher the cost; rate increased $45/mo
The problem is... cost. Embrace is more expensive each year and LESS if you go somewhere else or RESTART YOUR POLICY. My dog has NO preexisting conditions so i asked why the $40/mo rate increase? Answer...."the longer you have your policy the more likely to use it" so if youve paid for years your rate goes up regardless of claim history. MY dog is 3 and has been with Embrace since puppy.i have had few claims but got a policy at Pumpkin (sister company) for $40/mo less... Makes NO sence youd think the longer you had them with little to no claims the better your rate would be.....not
Im going toshop around/likely change every year
April 2, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello LLFL,
We understand that premium increases are challenging, and we truly regret any disappointment you experienced with your renewal quote. Each year, Embrace conducts an actuarial analysis, and it is these findings that help us to determine increases in premium pricing for all policies for the term ahead. 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.
While your current premium may be higher than a new quote, in general when a pet is insured at a younger age, we expect to be able to cover more of your claims as your pet ages than someone who signed their pet up later in life because they will most likely have more pre-existing conditions that are ineligible for coverage. Due to that pet tenure, your premium generally ends up being higher than someone who is purchasing a brand new policy for a pet of the same age/breed/etc. in the same location. We are unable to price match, but we do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. We understand you've canceled your policy and we are sad to see you go, but understand you must do what you feel is best for your and your dog. If you have any other questions or concerns, please feel free to reach out and we're here to help.
Best regards,
The Embrace Team
Great persona customer service !
Great persona customer service !
Attention to detail with my questions.
Very personable and friendly associate!
April 24, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Marlo,
We're happy to hear you've experienced friendly and personable service from our team. We sincerely appreciate your kind words and you taking the time to leave that feedback!
Best regards,
The Embrace Team
had embrace pet ins on my 2 pugs for…
had embrace pet ins on my 2 pugs for about 2 yrs my oldest 6 yrs old got cancer, they refused claim, then I made it to easy on them and canceled my policy, they just want you money!!!
March 31, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Ed,
We are sincerely sorry to hear that your experience with our company has not met your expectations. In order for us to process any accident or illness related claims, we are required to complete a medical history review for the pet. We do offer an option to complete this review upfront, but if it's not requested, 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. Your claim is on hold pending the completion of this review, but once the review is done your claim will move forward for processing. 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 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
I think it was Tiffany
I think it was Tiffany - who sent me several follow up emails- she was wonderful! Professional and answered all my questions. Great experience while I’m dealing with my puppy’s illness.
April 21, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Melissa,
We understand how stressful it can be when your pet needs medical attention, and we're glad to hear you experienced prompt and professional service from our representative during this difficult time. We sincerely appreciate you taking the time to leave that feedback and we hope your puppy feels better soon!
Best regards,
The Embrace Team
Good, not Great.
I have been a customer of Embrace for 5+ years, as I compete with my dogs in agility and am a USAA member. I also have a low deductible and a high reimbursement; if a dog gets injured, even an initial evaluation with the vet can run $800-$1000.
The good: Embrace covers most of my claims. If a claim is accepted, they are pretty quick about disbursing reimbursement.
The not-so-good: Embrace uses AI to review claims. I've had claims rejected because they use the word "ultrasound," and AI cannot distinguish between therapeutic and diagnostic ultrasound. This leads to a very quick rejection of a claim; unfortunately, Embrace takes its time reviewing the additional information they request, delaying claim processing.
The bad: My dogs undergo regular therapy to keep them in top form (as prescribed by my vet). The rehabilitation facility offers tiered pricing, which includes therapeutic exercise, underwater treadmill, laser, and physical manipulation -- all for one price. Embrace regularly rejects these claims because "physical manipulation" is considered "massage," and they do not cover therapeutic massage.
Other modalities, such as shockwave, are not covered. Even though the price of shockwave has reduced dramatically (from $700/session to $175/session), and it is an evidence-based therapy, Embrace does not cover it. In fact, Embrace will not cover many proven therapies, including Veterinary Orthopedic Manipulation (chiro), Massage, PEMF/TENS, Extracorporeal Shock Wave Therapy.
April 21, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Lynn,
Thank you for reaching out. A team member will follow up with you shortly to further address your concerns and provide additional clarification. Our goal is always to support our policyholders and their pets, so we appreciate your feedback and will use it to continuously improve our services!
Best regards,
The Embrace Team
Very helpful and friendly staff
Very helpful and friendly staff. Neighborhood rumors are very true...the Edge Hospital is a great place for Vet Care for your pets.
April 22, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello NM Route 66 Museum,
We think you may have meant to leave this feedback for your vet provider, but we appreciate you taking the time to leave a positive review!
Best regards,
The Embrace Team
I have been with Embrace since Jasper…
I have been with Embrace since Jasper was 3 months old, he is now 7. We have had a 2 claims, both were paid quickly and no question on them. From typical puppy antics to a recent very serious unexpected back surgery both were a breeze to file and get reimbursed on. I have a moderate deductible and a cap of $8000. It did go up after this last claim but he is getting older and the customer service person worked with me to get the renewal down. I used to have wellness on this policy as I believe in preventive care but It was really not worth it in my opinion. Glad we had this policy for this last unexpected emergency.
April 8, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Kelly,
We're glad your policy has been there to help during Jasper's time of need and that the claims process has gone smoothly for you. We sincerely appreciate you taking the time to share your experience!
Best regards,
The Embrace Team
We filed a claim and our insurance rate…
We filed a claim and our insurance rate doubled every month. Talked to them and said that happens and wanted me to take some things off the insurance plan to bring it down a little bit. To have it doubled is pretty bad, so disappointed in the insurance. So beware if you file a claim!!
April 23, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Becky,
We understand that premium increases are challenging, and we truly regret any disappointment you've experienced with your policy. Each year, Embrace conducts an actuarial analysis, and it is these findings that help us to determine increases in premium pricing for all policies for the term ahead. Our renewal increases are based on multiple factors including the age of the insured pet(s), tenure of the pet(s) on 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. Please know that you have options and our team is here to help you review your plan, explore ways to adjust your coverage, or find alternate coverage to keep a level of protection in place. We understand you've already spoken with a representative, but our goal is to work closely with each policyholder to explore personalized solutions to support you during this time, so if you have any other questions or would like to explore those options further, please feel free to reach out and we're happy to provide additional assistance.
Best regards,
The Embrace Team
When pets get older
Customer service is great. Great insurance for pets, Until they get older. Been with Embrace for over 15 years and have had older pets with issues and no big price change. Now all of a sudden they want to triple my premiums due to pet being older with some claims. One pet $400 a month
April 20, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Laurie,
We certainly understand your concerns with your recent renewal notice. Our renewal increases are based on multiple factors including the age of the insured pet(s), tenure of the pet(s) on 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. Please know our team is here to help you review your plan, explore ways to adjust your coverage, or find alternate coverage to keep a level of protection in place. We understand you've already spoken with a representative, but our goal is to work closely with each policyholder to explore personalized solutions to support you during this time, so please feel free to reach out with any additional questions and we're happy to assist you further.
Best regards,
The Embrace Team
I’m very satisfied with Embrace pet insurance
I’m very satisfied with Embrace pet insurance. Submitting claims is very easy and the claims are processed within a few days. They’re very good on keeping me informed if more information is needed about a claim. I recommend Embrace pet insurance to my friends and family.
April 22, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Rina,
We strive to make the claims process as smooth and efficient as possible, so we're glad to hear you've had a positive experience! We appreciate your recommendation and you taking the time to share that feedback!
Best regards,
The Embrace Team
Very prompt
Very prompt, understanding and professional. I trust the company more than any other insurance provider
April 20, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Edmund,
Thank you for taking the time to leave us a review! We're happy to hear you've experienced professional and prompt service from our team. We also sincerely appreciate your kind words and we're grateful for your continued trust!
Best regards,
The Embrace Team
Embrace is a reputable company
Embrace is a reputable company. Their customer service representatives are knowledgeable, friendly and thorough. Billing it’s easy. Claims are easy to set up and clear to understand. Communication is timely. And the services they offer are comprehensive.
April 17, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Lifelong Learner,
We're committed to providing exceptional service and coverage for our policyholders, so we're happy to hear you've experienced friendly and knowledgeable service from our team. We sincerely appreciate your kind words and you taking the time to leave that feedback!
Best regards,
The Embrace Team
Roger was so kind and patient with me…
Roger was so kind and patient with me and all my questions. He had all the answers.
I feel like they have better pricing than other insurance companies I compared.
April 18, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Jeannie,
We're happy to hear you experienced kind and knowledgeable service from our representative and we sincerely appreciate you taking the time to leave that feedback!
Best regards,
The Embrace Team
Rip off
Rip off after only 2 years with this company I filed a claim for less than $40, The next week they almost doubled my monthly cost. Total ripoff.
April 22, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Clyde,
We understand that premium increases are challenging, and we truly regret any disappointment you've experienced with your policy. Each year, Embrace conducts an actuarial analysis, and it is these findings that help us to determine increases in premium pricing for all policies for the term ahead. Our renewal increases are based on multiple factors including the age of the insured pet(s), tenure of the pet(s) on 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. Please know that you have options and our team is here to help you review your plan, explore ways to adjust your coverage, or find alternate coverage to keep a level of protection in place. Our goal is to work closely with each policyholder to explore personalized solutions to support you during this time, so if you have any other questions or would like to explore those options further, please feel free to reach out and we're happy to provide additional assistance.
Best regards,
The Embrace Team
Always nice to deal w/ the Embrace…
Always nice to deal w/ the Embrace personnel who are very knowledgeable and customer oriented.
April 19, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello D.,
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
Much better than my previous 2 Pet…
Much better than my previous 2 Pet Insurance.
I would give this AAA+
April 17, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Chris,
Thank you for taking the time to share your experience! We're grateful for your continued trust and appreciate you choosing Embrace to help keep your furry family members healthy and happy!
Best regards,
The Embrace Team
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