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
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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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You guys and girls are the Best !!!
4 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Renee,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
Embrace pet insurance
It’s nice to know that there is an insurance company that actually does what it advertises.
It’s very easy to file a claim in the app and customer service is knowledgeable and helpful.
I am very pleased with the service, customer service support and their app.
I would definitely recommend them to other pet parents
3 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello,
Thank you for the kind words and for sharing that feedback! We strive to provide our customers with knowledgeable and helpful support, and we're pleased that our team has met your expectations!
Best regards,
The Embrace Team
Embrace Pet Insurance is super…
Embrace Pet Insurance is super affordable. Thanks to USAA recommending them to us. We use our wellness coverage for grooming to meds. Very easy to summit a claim. Thanks Embrace!!!!! Keep up the great work!!!!!
7 November 2026
Reply from Embrace Pet Insurance
Hello Eduardo,
We're proud to be partnered with USAA and strive to provide the best service for you and your furry family members, so we're glad our team has met your expectations and you were satisfied with the processing of your claims. We sincerely appreciate your kind words and you taking the time to leave us a positive review!
Best regards,
The Embrace Team
Our Yorkie ...
Our Yorkie was diagnosed with Polycythemia, which requires constant monitoring of her blood. Embrace understands, and is quick to refund expenses when submitted.
27 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Nancy,
We're glad your policy has been there to help during your time of need and that the claims process went smoothly for you! Thank you for taking the time to leave us a review!
Best regards,
The Embrace Team
Be Diligent When You Anticipate Filing a Claim
We have had two cats with Embrace for several years now. I recently submitted claims for both cats for the same issue. Unfortunately, the vet included the cost of the medication that was to be split among the two on one pet's invoice. Therefore, I wrote notes on both invoices explaining the situation, and explained it in my claim submissions. The claims were processed quickly, but my notes were ignored. Neither I nor the vet received any contact or request for clarification. I was told that reimbursement is based on an invoice. Unable to get the invoices updated and reprinted, the vet provided me with his detailed office visit notes, which clearly explained the use of the medication. I submitted these with an explanation and request for another review, but received no response. After multiple attempts on my part, I was again ultimately told that reimbursement is based on an invoice. I requested the policy wording that supported that, but did not receive it. I then requested what was owed to me under the policy, and advised that state insurance departments would probably agree. Ultimately, they agreed to fairly reimburse me by making an exception to their existing business practices...... I think Embrace is a good company on the front end, with their sales and providing of policies. But customer service, communication, and fair claims handling in my opinion need improvement. I learned a lesson, and my message to you is to ensure that everything that the vet gives you is accurate, and then be sure to follow up with Embrace to ensure that you are fairly treated........ Based on their response to this review, in which they indicate that medical records are legal documents, they are in fact admitting that they did not handle the claim correctly or fairly.
1 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Michael,
We are sincerely sorry for any disappointment you experienced with our service. Veterinary medical records and invoices are considered legal documents and we are required to process claims based on the documentation received. We were unable to locate your account to view the specific details, but we're happy to address any additional questions and concerns you have. Please feel free to reach out to embracesocial@embracepetinsurance.com with your full name and policy number for further assistance. Our goal is to ensure accuracy and fairness in processing all claims, so we appreciate your feedback and will use it to continuously improve our services.
Best regards,
The Embrace Team
Great service!
2 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Mary,
We appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
My 3 year old dog has lymphoma and is…
My 3 year old dog has lymphoma and is undergoing chemotherapy. The care has been expensive but thankfully Embrace Pet Insurance has approved and paid claims very quickly. They have exceeded my expectations!
6 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Paula,
We are sorry to hear of your dog's diagnosis and we are sending well wishes to you as you navigate this challenging time. We're glad to hear our team has exceeded your expectations and that you've experienced quick reimbursement, and we sincerely appreciate you sharing your feedback with us!
Best regards,
The Embrace Team
Embrace has been fast
Embrace has been fast with accepting all my claims and reimbursement. It was also very easy to get pre approval for a procedure my cat needed. It is unfortunate that my policy went up $70 a month but I also need this for my aging cat who now is starting to accumulate medical bills.
6 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Samantha,
We understand that premium increases can be challenging, and our team is always here to help you review your plan, explore ways to adjust your coverage, and find a personalized solution to support what is best suited for your needs and budget. We are grateful for your continued trust and we sincerely appreciate you taking the time to share your feedback!
Best regards,
The Embrace Team
I have been with Embrace for going on 5…
I have been with Embrace for going on 5 years now and have not had one problem filing a claim and promptly receiving my claim. Thank you Embrace
6 November 2026
Reply from Embrace Pet Insurance
Hello Ray,
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
We have had Embrace pet insurance for about a decade
We have had Embrace pet insurance for the last decade to cover our 2 cocker spaniels. The Embrace staff are extremely polite, knowledgeable & helpful.Never have had any issue with any of the representatives. Often, submitted claims need resubmission &require additional documentation often previously submitted. The wellness program rider is quite expensive on top of the premiums. The premiums have more than tripled since we’ve had the coverage. They would get a five star review if premiums included wellness and/or are less expensive. Comparing their coverage to other plans while more expensive, at least we know how to navigate the claims submissions better now to avoid delay in processing.
3 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello,
We strive to provide our customers with friendly, helpful, and knowledgeable support and we’re happy to hear you've had a positive experience with our team! Please feel free to give us a call at 800-511-9172 if you have any questions or concerns regarding your claim submissions and we're happy to provide further clarification!
Best regards,
The Embrace Team
I called to change my plan before price increase
I called to change my plan as it was increasing in price of just one year from last year in the amount of $50 plus. I cannot afford this type of insurance when my dog is very healthy but I want it for prevention care and if anything happens to have it covered so I can do my best to give him a healty and happy life. I was given a quote that was remarkably less than what I was paying and more coverage and was a bit confused. Furthermore, the representative gave me the wrong quote and had to reconfigure a bare minimum quote to have the basics covered for now. I am going to research in the meantime for other options for a better price & coverage.
27 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello KT,
We understand that premium increases can be challenging, and our team is always here to help you review your plan, explore ways to adjust your coverage, and find a personalized solution to support what is best suited for your needs and budget. We were unable to locate your account to view more details, but we sincerely regret any disappointment you experienced with our service and we're happy to provide clarification. 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
Very Pleased
Fast claims processing. Very friendly, helpful customer service staff. Easy to navigate wen site.
5 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Lawrence,
We're happy to hear you found the website easy to navigate and received helpful and friendly service from our team. We appreciate you taking the time to share your experience!
Best regards,
The Embrace Team
Embrace Pet Insurance is the best
Embrace Pet Insurance is the best. Easy claims process and quick, fair resolution.
Highly recommend.
4 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Jean,
We're pleased that our team has met your expectations! Thank you for the kind words, your recommendation, and for sharing that feedback!
Best regards,
The Embrace Team
Grateful to have insurance!
After having pet insurance for 9 years, we finally had to use it. The overall experience was good and payments were made super fast. I don't know what we would have done if we didn't have this insurance!
5 November 2026
Reply from Embrace Pet Insurance
Hello Shawn,
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. Thank you for taking the time to share your experience!
Best regards,
The Embrace Team
My claim was approved within 15 minutes…
My claim was approved within 15 minutes of my online submission
2 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Kitrick,
We strive to ensure all claims are processed efficiently and as quickly as possible, so we're glad to hear you had a positive experience and we appreciate you taking the time to share that feedback!
Best regards,
The Embrace Team
Just note before purchasing
Just note before purchasing that if your pet vomited, had anxiety, or was told time for a teeth cleaning even 12 months prior to taking policy out then 4 months into policy you need to make a claim on one of those they tell you it was preexisting and will not cover.
4 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Vickie,
We sincerely regret that your experience with our company has not met your expectations. We strive to be as transparent as possible about the coverage regarding the exclusion of pre-existing conditions, defined as anything noted as symptomatic or diagnosed prior to the start of the policy and through the initial waiting or exclusionary periods. We understand your claims did not turn out the way you anticipated, and we're happy to address any additional questions or concerns 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
I've never been disappointed with…
I've never been disappointed with Embrace, they always took care of my cats when needed. The customer service is the best, they are very fast to process claims and reimbursement. I really appreciate it 😊, thank you! Highly recommended.
2 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Fabien,
We're glad to hear our team has provided you with the information and support needed to help make the claims process as smooth as possible. We sincerely appreciate your kind words, your recommendation, and you taking the time to leave us a positive review!
Best regards,
The Embrace Team
YEARS of paying TOP DOLLAR and yet have…
YEARS of paying TOP DOLLAR and yet have I received ANY REIMBURSEMENT! THEY SCAM THEIR WAY OUT OF PAYING ANYTHING!! SCAM ARTISTS!! STAY AWAY!!
2 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Bill,
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
Worthless pet insurance
If you want to pay monthly premiums, and get almost nothing in return, than this is the company for you. Just had my dog's ear infection claim denied due to dermatological issues three years ago! This insurance is worthless and will use any excuse they can in order to deny a claim!
Updated 11/10/26: cancelled my policy and maintain the worthlessness of this company!
4 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Brandon,
We sincerely regret that your experience with our company has not met your expectations. We strive to be as transparent as possible about the coverage regarding the exclusion of pre-existing conditions, defined as anything noted as symptomatic or diagnosed prior to the start of the policy and through the initial waiting or exclusionary periods. We understand your claims did not turn out the way you anticipated, and we're happy to address any additional questions or concerns 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
They are usually a great insurance company 
My claim has yet to be processed 
5 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Naeelah,
We sincerely regret that your experience with our company has not met your expectations. We were unable to locate your account to view additional 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
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