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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What people talk about most
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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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Because i had this insurance because…
Because i had this insurance because the wellness rewards refund is in 2 -3 business days but now i wait more than 1 month. I payed extra for this and bring me the worse service
29 October 2026
Reply from Embrace Pet Insurance
Hello Valeria,
We see a team member has followed up with you to provide additional information and if you have any other questions, please feel free to reply to them directly and they will be happy to help. Once all the required documentation has been received, the claim will be re-opened and processed.
Best regards,
The Embrace Team
Embrace gets back to you and answers…
Embrace gets back to you and answers your questions in a timely manner.
27 October 2026
Reply from Embrace Pet Insurance
Hello Kathy,
We are glad you enjoyed your experience with our timely communication and helpful support. Thank you for taking the time to leave us a review!
Best regards,
The Embrace Team
Great value
Everyone was so very helpful and you get a lot of coverage and the price is very reasonable, I insured both my cats for under $100 and was able to get the coverage I needed.
26 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Jeannette,
We are thrilled to hear that our team was helpful and that you found great, affordable coverage for both of your beloved cats. Thank you for sharing your wonderful experience with us!
Best regards,
The Embrace Team
Excellent customer service
Excellent customer service, responded to all my pet’s need and explained what was covered and what wasn’t and why.
16 October 2026
Reply from Embrace Pet Insurance
Hello Ernie,
We are so glad to hear that our team provided helpful support for your furry family member. Clear communication about your coverage is very important to us, and we appreciate you taking the time to share your positive experience!
Best regards,
The Embrace Team
Pet insurance help me give my cat the best care possible
My cat, Callie, was diagnosed with small cell lymphoma cancer. I was so relieved to have pet insurance that helped me be able to give her the best treatment possible. They pay the claim very quick and the customer service is superb.
28 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Sharon,
We are so sorry to hear of Callie's diagnosis and we are sending well wishes to you as you navigate this challenging time. We're happy to hear you've experienced quick reimbursement and helpful support, and we appreciate you sharing your feedback with us!
Best regards,
The Embrace Team
I've been a customer of Embrace for 5 years and am angry at their service
I've been a customer of Embrace for over five years and I'm disgusted at how they delt with me. I filed a claim because my dog was diagnosed with arthritis in his spine. Not only did they refuse to cover the diagnostics (x-ray), but they also refused to cover any of the treatments. I've cancelled my policy and will NEVER renew. EVER.
22 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Roger,
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 claim 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
Reply from Embrace Pet Insurance
Hello Jennie,
We're happy to hear that you found the claims submission process straightforward and efficient and we appreciate you taking the time to share your positive feedback!
Best regards,
The Embrace Team
Personal service and fast claim payments
Embrace isn’t cheap, but the peace of mind is worth it. I appreciate the personal service and how fast and efficient the online claims process is—from submitting a claim to receiving payment. It makes dealing with vet bills easier and lets me focus on Cooper. Very happy with my experience!
23 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Paul,
We are so glad to hear that our quick and efficient claims process provides you with peace of mind. Our main goal is to make managing veterinary expenses as seamless as possible so that you can focus all your energy and attention on caring for your beloved pet. Thank you so much for sharing your wonderful experience with us!
Best regards,
The Embrace Team
NO LONGER RECOMMEND EMBRACE PET…
NO LONGER RECOMMEND EMBRACE PET INSURANCE! Have a cat that has been insured with Embrace for 15 years since she was a kitten. Our premium last year was $1,218 and Embrace recently advised that the premium for the coming year was to increase 4-fold to $4,914. Embrace explained that the increase was due to inflated veterinary costs nationwide and to the age/health of my cat (cat has glaucoma requiring eye medications but seems to be doing fine at present). But, from our perspective, it seems like Embrace is begging us to cancel our policy so they do not have any potential future losses. We plan on accommodating them by letting our policy expire; to advise our friends and associates of Embrace’s customer treatment; and to write the CEO of USAA (who owns Embrace) to let them know of Embrace’s policies and procedures. USAA has never adopted or embraced similar practices in our 50+ years insured with USAA. Based on our recent experience, we NO LONGER RECOMMEND EMBRACE PET INSURANCE!
28 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Ronald,
We understand that premium increases are challenging, and we truly regret any disappointment you experienced with your renewal quote. 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 a data 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 team focuses on multiple factors, including the age of the insured pet, the tenure of 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. However, we do structure our policies to allow you to change coverage parameters to adjust the premium based on what you feel is best for your individual pet and situation. Our goal is to work closely with each policyholder to explore personalized solutions and adjust coverage as needed to support you during this time, so if you would like to explore these options further, please feel free to give us a call at 800-511-9172 and we're happy to help.
Best regards,
The Embrace Team
Does NOT cover what was anticipated…
They did not cover what was anticipated or seemed to be claimed before signing up.
25 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello KA,
We sincerely regret that your experience with our company has not met your expectations. 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
Poor 1st experience
I had my dog in for a vet visit on Aug 24,2026. They asked for his medical notes and they were provided 2 weeks later. I called on October 5th and was told they received the paperwork and had not reviewed them yet. Shortly after I received an email stating it would be reviewed in the next 5 days.
Here I sit still waiting for them to review so I can be reimbursed. This pet insurance is absolutely awful I DONT RECOMMEND THEM to anyone and I will be switching shortly.
24 August 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Rhonda,
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
Reply from Embrace Pet Insurance
Hello Johnie,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
Failed to advise me regarding their…m
Failed to advise me regarding their policies regarding the death of my dog and his cremation bill. Very disappointed in embrace insurance and definately would not recommend or refer them to anyone. I will be contacting USAA and my vet regarding Embrace Insurance.
Bette Newton.
28 September 2026
Reply from Embrace Pet Insurance
Hello Bette,
First and foremost, please accept our deepest condolences for the loss of your beloved dog. We know this is an incredibly difficult time, and our hearts go out to you as you navigate it. We strive to be as upfront as possible regarding what we can and cannot cover, both under our insurance policies and our Wellness Rewards plan. Embrace has a set list of exclusions as part of the Terms and Conditions for the insurance, and cremation costs are not eligible for coverage under the accident and illness insurance policy. Those costs are eligible for reimbursement under the Wellness Rewards plan, but if your Wellness balance has been fully maxed out and reimbursed back to you for the current term period, we are unable to reimburse more than your chosen annual allowance. We see you already spoke with a representative regarding your concerns, but if you have any additional questions, please feel free to reach out to our Customer Care Center and we're happy to assist as we are able. 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
A relatively new customer
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! Claims are reimbursed and into my bank within about 3 days. I HIGHLY recommend this company. They are the BEST!
26 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Margo,
We are so glad to hear that we could provide vital support during such a challenging time for your sweet cat. Dealing with multiple serious health diagnoses is incredibly stressful, and we are happy to know our quick reimbursement process helped ease your worries. Thank you for sharing your experience and for recommending our services to others!
Best regards,
The Embrace Team
I highly recommend this company
I highly recommend this company. Great app makes it easy to submit claims and they pay faster than my credit card bill arrives. Very good insurance!
26 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello,
Thank you for sharing your wonderful experience and for highly recommending our services!
Best regards,
The Embrace Team
Embrace Pet Insurance was very caring for the loss of a family member…
This company was very caring of the loss of my beloved pet Nakita. They handled the process of the claim and reimbursement in a timely matter. I would recommend them to any pet owner.
23 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Henry,
We are so sorry to hear about the loss of your beloved Nakita. We understand how challenging this time must have been, but we're glad your policy was there to help during your time of need and that the claims process went smoothly for you. Please know we appreciate you taking the time to share your experience and we are sending well wishes to you during this difficult time!
Best regards,
The Embrace Team
It’s a complicated format unless you…
It’s a complicated format unless you are apt at medical terminology for your canine in which that is all I have. The wait appears to be indefinite after a phone call. It appears the denial is on its way. So all I can say, it appears that they’re great at collecting premiums and denying claims. I will recant if any of them are paid. I did file five at one time, never filed for the year. The site is confusing again if you do not understand medical terminology. I made a mistake. They would not remove the mistake when I called customer service, though they were very, very nice.
21 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Carlos,
We sincerely regret any disappointment you've experienced with our service. We were unable to locate your account to view the specific details of your claims, 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 clarification and assistance!
Best regards,
The Embrace Team
They automatically list every symptom…
They automatically list every symptom as preexisting even if the treating vet says there was no association between her and symptoms
1 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Susan,
We are sincerely sorry to hear that your experience with our company has not met your expectations. We are unable to provide coverage for pre-existing conditions, which are defined as anything symptomatic or diagnosed prior to starting the policy and through the initial waiting or exclusionary periods. They are determined directly from the notes provided to us from your veterinarian, and this policy ensures that pre-existing conditions are accurately assessed and helps us provide fair and consistent coverage for all policyholders. 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 assist with any additional questions you have.
Best regards,
The Embrace Team
Reply from Embrace Pet Insurance
Hello Kid,
The Embrace policy is based on a reimbursement method, meaning you pay the vet directly, submit your claim, and we pay you back for any covered conditions (subject to your chosen coverage parameters). This allows you to visit any licensed veterinarian, specialist, or emergency hospital you like! You can also view more information about how reimbursement works here: https://www.embracepetinsurance.com/help/article/what-is-the-reimbursement-process-for-embrace-claims. If you have any additional questions, please feel free to give us a call at 800-511-9172 and one of our representatives will be happy to assist you further.
Best regards,
The Embrace Team
They hire good people
They hire good people, train them well, and empower them to take care of problems and offer immediate solutopns.
Highly reccomend them!
23 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello David,
We are glad you enjoyed your experience with our team and we sincerely appreciate your kind words about our staff training and dedication to solving problems quickly!
Best regards,
The Embrace Team
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