Embrace Pet Insurance Reviews 

I have been using Embrace as the insurer for my puppy since I got him. He was almost 8 weeks old at the time and he's now 2 1/2 years old. The claims process is simple. It only takes a few minutes to submit a claim and in less than 5 minutes it is normally processed. The claims have always been paid according to the policy and my understanding of the policy.

Claims are easy to submit and rapidly processed. So grateful for the coverage of acupuncture for my aging dog. She benefits greatly as do I.

I feel like I'm going to be a public service announcement for awhile. Our 10 year Ragdoll cat Yuki suddenly experienced a herpes virus outbreak and was in and out of the ER several times over the past 3 weeks. He stopped eating and had to have a feeding tube placed in his neck so he could get nourishment while healing. When cat's can't smell (super bad sinus and upper respiratory infection) their brain tells them not to eat. It was so hard and he is now off the tube and home and doing sooo much better!

During that time of intensity and stress, Embrace made is so easy for me to submit my claims and reimbursement came within a week. I can't say enough good things about my experience and how having pet insurance through Embrace took what could have been a debilitating amount of debt into a reassuring safety net.

Don't every go without pet insurance and honestly, Embrace has been the very best I've ever known. Their app is super user friendly and makes it so easy to upload the invoices so they can automatically and digitally reimburse payment to your bank account.

A freaking life saver. I love Embrace.

Very professional and excellent work

Seamless Process for claim submission.

Clear and concise insurance coverage, amazing, very easy claims process with very fast reimbursement. If you're looking for a pet insurance that’s there when you most need it choose Embrace!

I signed up for Embrace pet insurance this year. I have had nothing but good experience from filing a claim to getting a response from Embrace Customer Service to explain different issues. This company is excellent! I would highly recommend it to anyone looking for a reputable pet insurance contract with a stellar company.

Embrace denied a $200 claim that was already below Willow's $750 deductible. The company had no immediate reimbursement obligation, yet chose to classify an acute, resolved gastrointestinal illness as related to distemper contracted five years earlier, without providing individualized medical evidence of that relationship. This calls into question not merely one claim decision, but the integrity and reliability of the coverage representations under which Embrace collected premiums for more than two years.

Here is the full story:-
I insured both of my dogs, River and Willow, with Embrace Pet Insurance beginning in May 2024. Our combined monthly premium was $155.95 (a total of $4,650 over 30 months), and Willow's policy had a $750 deductible. After paying thousands of dollars in premiums, my first claims experience left me with absolutely no confidence in this company.

The most troubling issue is the discrepancy between Embrace's written medical-history review and how it later applied its exclusions.

On May 8, 2024, Embrace conducted a medical-history review of Willow's veterinary records and sent me a written assessment. The email explicitly stated:

"This medical history review tells you what is and is not covered."

It identified canine distemper and related conditions as a permanent exclusion and expressly stated:

"Temporary exclusions: None."

Diarrhea, colitis, and gastrointestinal illness were not specifically listed as excluded conditions.

Embrace also assured me that Willow would still have a broad range of coverage for unexpected medical problems.

On October 22, 2026, Embrace denied Willow's first submitted claim for diarrhea, citing her historical canine distemper diagnosis.

Willow contracted distemper in 2021 and fully recovered from the original infection. Her diarrhea occurred approximately five years later.

Embrace provided no individualized medical evidence demonstrating that Willow's gastrointestinal illness in 2026 was related to her distemper infection in 2021.

Diarrhea can occur during active distemper, but that does not establish that every subsequent episode of diarrhea in a recovered dog is caused by the historical infection.

What makes this especially disturbing is that Willow's veterinary expenses were below her $750 deductible. Even if Embrace had recognized the illness as covered, there would have been no reimbursement if the deductible remained unmet.

This is not about one unpaid veterinary bill. It is about whether the insurance coverage I paid for was represented clearly and applied fairly.

If Embrace can invoke a five-year-old diagnosis to deny a new gastrointestinal illness without showing the medical connection, how can I trust that other unexpected illnesses would be covered?

I relied on Embrace's written medical-history review when maintaining Willow's insurance. Its subsequent interpretation of the permanent exclusion left me questioning the actual scope and value of the policy.

I believe the review was materially misleading in its practical effect.

I have now cancelled BOTH River's and Willow's policies.

Embrace has permanently lost my trust and my business.

Pet owners deserve clearly explained exclusions and evidence-based claim decisions—not uncertainty about whether an old diagnosis might be used to exclude future illnesses.

Based on my experience, I cannot recommend Embrace Pet Insurance.

Agent for Embrace Insurance, Rachel, was very courteous, respectful, and professional in respondiong to questions and clarification of coverages when I had issues with submission of claims. We have coverage for 80% reimbursement for charges on our submitted invoices. We had 90%, however I cut back on coverage amounts to decrease our monthly premium because of budget needs.Anytime we have submitted claims to Embrace, they have reimburse us in a timely fashion.

This insurance company made it so easy to file a claim. Thank you for not being so complicated

Coverage is good but if you have a claim they increase your rate. And, the following year too. So going on three years they increased the premium each year.

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 when faced with emergencies. Ease of submitting claims and swift returns allow you to focus on your pet and not bills. Thank you Embrace for years of helping Abby, we so appreciate you.

Easy claims process. Reimbursement is extremely fast.

The adjuster has my Yorkie mixed up with another fur baby. My Yorkie has NO pre-existing conditions yet there are 3 listed. I’ve called twice, been on hold only to get an option to leave a voicemail. I was promised I would be contacted. So far no one has contacted me.

This is so frustrating due to if one or more of these issues should occur it won’t be covered!!

Are you listening EMBRACE? I have the policy through USAA so I’m contacting USAA as they should be aware EMBRACE should not be sponsored!

I enrolled four pets. I provided all documents requested. They approved the policy. I paid premiums for a full year. Then, after filing a claim on one cat, they suddenly needed more information onto the other cats: Information I had already provided, and that they had verified as sufficient. They then jacked my rates from $114 a month to $170 a month. Horrible service.

We paid every month since April, letting them know in advance that my pet had a pre-existing disease and paid more because of that. When I submitted my first claims in June, they kept saying that they still didn't have the documents needed from my vets office even though the vet submitted it several times. I called Embrace and was finally able to get them to connect. Months later, still no conclusion. At the beginning of the October they finally replied with denying all claims due to the pre-existing condition, which I paid extra for. Even if they covered part of the claim I would have been happy and stayed, but the fact they took so long to do anything only to deny all claims was a waste my time and money.

My family is military and I bought pet insurance through USAA to protect my dog. Now Embrace is refusing to pay a claim that should be covered unless I put him under anesthesia for an MRI his veterinarian says he does not need.

My dog, Steven, was suddenly paralyzed out of nowhere in June and spent three days in the hospital. This is my heart dog and I'm sure my other pet owners out there can understand how out of my mind I was. Thanks to my wonderful veterinarian, we figured out it was a temporary condition and he would make a full recovery. Thank God!

But Embrace is trying to say that Steven actually has a different condition that they do not have to cover, despite my veterinarian writing letter clearly stating that it not the case. That should have resolved the issue. Instead, Embrace says I must pay thousands of dollars and PUT MY DOG UNDER UNNECESSARY ANESTHESIA for an MRI to prove them wrong.

Steven has already endured pain, treatment, and more stress than he should have to bear. Now Embrace wants him to undergo an unnecessary medical procedure, not because his veterinarian believes it is needed for his care, but because its claims department refuses to accept the my veterinarian’s written conclusion.

This MRI would not be for my dog’s benefit. It is being demanded for Embrace’s benefit so the company can continue withholding payment on a claim that should be covered. They are basically betting on me not subjecting him to additional harm (because I will absolutely never do that) so they can deny coverage.

I paid Embrace to help me care for my dog when he needed it most. I never imagined I would have to spend dozens and dozens of hours protecting him from an unnecessary procedure just to force the company to honor the coverage I purchased.

My military family trusted this policy because it was offered through USAA. USAA should know how Embrace is treating the veterans and military families referred through that relationship.

I will be making a formal complaint to the state Department of Insurance. It will include the policy, denial, medical records, appeal correspondence, the veterinarian’s letter, and Embrace’s demand for an MRI.

Before trusting Embrace with your pet’s care, consider what happened to mine, despite my veterinarians opinion, Embrace demanded an expensive MRI involving anesthesia before it would consider paying a claim that should have been covered in the first place.

Sparky and I are still new to Embrace, and I am still learning how things are done. An invoice for a medication was covered under wellness, as was a claim for an annual medical, vaccinations, etc. I appreciate that the monthly premium is less than the insurer we moved from.

Easy submission process for vet costs, makes it easy to get my pet the wellness care she needs. Very affordable, too.

I put my claim in July 19, 2026 and was Waiting for three months just for them to send me an email on October 16, 2026 telling me my claim was denied! Very frustrating!!!