Embrace Pet Insurance Reviews 

They hunted for every possible implication of a preexisting condition to deny the claims. I have 3 French bulldogs, 2 that are rescues from horrible conditions. They denied my one dogs dental cleaning and teeth extractions because 3 months prior a notation was made when we took her in for allergies, her teeth had some issues but never mentioned it to us. They drug it out for 3 months so they could collect premiums to pay the one claim they did cover. The two rescues were in such poor condition when found, one had no fur and covered in mange. The rescue got them healthy, however because they had those skin issue previously, they denied the claim for their allergy medicine recently prescribed so they’d quit licking their paws. Very dissatisfied and disappointed. Canceled the insurance with today’s decision to deny the claim for the dental surgery and permanent ban on allergy claims. .

Agent was very knowledgeable. Clearly answered my questions. Asked if there was anything else. Very polite.

I have had a great experience with Embrace! The process of submitting my claims through their app is simple. I receive a rapid response with detailed explanations. I feel at ease that my dogs are protected through Embrace for all accidents and illnesses.

Within 20 minutes, my claim was paid!!

Customer service is excellent and can answer any questions regarding your policy. Claims are easy to submit and are processed unbelievably fast. I’ve tried other pet insurance companies before and embrace without a doubt, beats them all.

I have always had a great experience with Embrace from submitting claims to calling customer service and asking questions.

This was for placing a claim for the wellness package. Very easy to do online and very quick response from Embrace!

When we got our latest dog, Bailey, we were ready to tackle whatever she brings to us. She is into everything and we knew she was going to be loads of fun to have around. Upon weeks of having her I looked into pet insurance, compared some and found Embrace to be the best. Submitting claims is super easy to do and the full process is completed within hours. I cannot say enough about how pleased we are with Embrace pet insurance!

I received my refund in less than a week!

Embrace Pet Insurance takes your monthly premiums, but when a real emergency happens, they invent reasons not to pay. After my puppy was violently attacked by a dog requiring emergency care and a skull CT scan, Embrace spent two months manufacturing excuses. Their desk adjusters ignored the treating veterinarians' medical records, dismissed acute trauma as a "skin wound," and relied on a fabricated "pre-existing condition" argument built by illegally reclassifying a prior injury as an "illness." They use bad-faith circular reasoning and override licensed vets from behind a desk. Save your money and choose a pet insurance company that actually honors its policy. (Cases currently under formal investigation by the California Department of Insurance).

Embrace pet insurance is great, very professional and helpful with my claims and pet needs

The claim process was simple and completed quickly.
Very happy with the service.

I filed my first-ever claim. WITHIN 10 MINUTES…my claim was already approved and a check was mailed to me!!! Only because I didn’t have direct deposit set up or I would've been reimbursed immediately. I immediately called and added my second dog to the plan. The person on the phone was so sincere, answering all my questions and sending her love to my currently hurt dog.

Customer service at Embrace is awesome. They are friendly and always willing to help. Claims are streamlined and processed in a timely manner. I would definitely recommend Embrace to other pet owners

I am currently dealing with my first claim and haven’t had a resolution quite yet but the customer service alone has been so incredible that I will definitely stay a customer. I spoke with Cassie today, 10/15/26, at about 5:40pm and she was amazing. I started the call pretty sternly and harsh because I was under the (mistaken) impression that my background medical records were denied again after multiple attempts sending them in. She corrected me quickly by advising that the notification I received was because the claims are on hold until the medical records are reviewed, not because they’re insufficient. She ended up making me laugh, empathizing with me, and reassuring me. I felt so guilty for being so cold to her at the beginning lol! That’s true customer service and I hope she is rewarded for that.

Timely reimbursement on claims is very fast and efficient.

I have not done much more than sign up for the insurance, but I have had a great deal of technical difficulty. Once I downloaded the app vs using the online portal, it seemed simpler, but I was unable to access a human to ask questions. I did buy the insurance, but I’m not sure that I won’t regret it.

Everyone I speak with at Embrace is friendly and helpful. They assisted me in successfully reducing the premium increase I was facing for this coming year. We have carried Embrace for 8 years and always get prompt response with our claims.

Love this insurance. Review is quick and money deposited into your account the following business day.

This is the most expensive pet insurance, compared to other major providers. And they rarely pay out too, so you're paying high premiums with low returns. I just switched to another provider.