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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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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They're very nice understanding folks…
They're very nice understanding folks in the loss of my husband and after finances. We were able to save my pet insurance for my two furbabies.
October 9, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Rey,
Please know our hearts go out to you as you navigate this difficult time! We're also glad to hear our team was able to assist you with a solution that best fit your needs and budget, and we sincerely appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
First time to use there service had to…
First time to use there service had to rush my dog to the vet for weird growth thank goodness i had insurance to help with the bills
October 12, 2026
Reply from Embrace Pet Insurance
Hello Christopher,
We're happy to hear your policy was there to help during your time of need and we hope your dog is feeling better! Thank you for sharing your feedback!
Best regards,
The Embrace Team
WOULD only use Embrace pet insurance
I have been with Embrace insurance for 10 or 11 years for my dogs. I would never ever go to a different insurance company and I am offered pet insurance at greatly reduce prices through my work, through AARP, through so many different places but there's only one that's worth the money and that's embrace. The biggest thing is to read your policy, know it's covered, no it's not covered, and you will be very pleased and again I would go nowhere else but Embrace pet insurance. The customer service is exceptional, they process Claims quickly and fairly according to what you picked out when you started your policy, and their refund process is very quick. I just lost my 13 1/2 year-old yellow Labrador retriever, Piper, and she has always been with them and they actually made me feel that they cared and I truly believe they do
October 9, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Eileen,
First and foremost, we're so sorry for the loss of your beloved Piper! Our fur babies hold such an important place in our hearts and we know saying goodbye is never easy. We are glad to hear though that you've had a positive experience with our Customer Care team and the processing of your claims over the years. Thank you for taking the time to share your experience!
Best regards,
The Embrace Team
Reply from Embrace Pet Insurance
Hello Marjory,
We're committed to providing exceptional service and coverage for our policyholders, so we're happy to hear you've had a positive experience with our company! Thank you for taking the time to leave us a review!
Best regards,
The Embrace Team
They nit pick words on claims to deny…
They nit pick words on claims to deny and delay up to a month or more to pay back money owed as per agreement for insurance
September 15, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello George,
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 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
Embrace Pet insurance is a great relief…
Embrace Pet insurance is a great relief when you have a unexpected emergency or sickness,or just keeping regular check ups for your pet. This company has been great for our two rescue dogs and our wallets of course! Thank you Embrace Pet insurance!
October 13, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Sharon,
We understand the emotional and financial burden that comes with caring for a pet, and we're glad your policy has provided you with the peace of mind you need. Thank you for your kind words and for taking the time to share your experience!
Best regards,
The Embrace Team
The review process and the time it…
The review process and the time it takes to get an answer are extremely fast. The most i ever had to wait for an answer to a claim was 5 days and that was because it was a holiday weekend otherwise it is just a few days.If you call you get quick and easily understandable answers.
October 12, 2026
Reply from Embrace Pet Insurance
Hello Scott,
We're happy to hear that you’ve found our claims process to be efficient and prompt, and we appreciate you taking the time to share that feedback!
Best regards,
The Embrace Team
Both of our claims were processed very…
Both of our claims were processed very quickly, and starting them online was super easy. Had a few questions for customer service and they were very helpful.
October 11, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Trisha,
We’re thrilled to hear you've had a smooth experience with the submission and processing of your claims. Thank you for taking the time to share that feedback!
Best regards,
The Embrace Team
I am very satisfied with embrace Pet…
I am very satisfied with embrace Pet Insurance and the people who work there they are knowledgeable professional and informative
October 11, 2026
Reply from Embrace Pet Insurance
Hello Loretta,
We strive to provide our customers with knowledgeable support and we’re happy to hear you had a positive experience with our team. Thank you for taking the time to share your feedback!
Best regards,
The Embrace Team
Always a simple and quick process to…
Always a simple and quick process to request for claim and the reimbursement is deposited timely.
October 12, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Guest,
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
MyEmbrace was great 7 years ago
MyEmbrace was great 7 years ago. Today, humans have been replaced with AI and the very legitimate claims I submit are put on hold for months for review. Like, requesting I send them medical records that do not exist for a rescued dog, before they'll consider reimbursement. Or, because 5 years ago, my dog had a rash on his abdomen and the catch-all word 'dermatitis' was used in 2021, my dogs severe hot spots on his hind quarters were not covered because 'dermatitis' is now a pre-existing condition. What am I paying $300 a month for ?!?
BTW, the reviewers writing to say "5 Stars! Great service!", they cannot possibly be real people who use Embrace today.
September 29, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Rebecca,
We're sorry for any frustration you experienced and we appreciate you taking the time to share that feedback as we are always looking to improve the claims process. Please note that prior to processing any accident or illness related claims, we are required to complete a Medical History Review for the pet. We need the records from any vet providers your pet saw within the 12 months prior to the start date of your policy and through the initial waiting and/or exclusionary periods. We specifically look for the detailed chart notes (also known as SOAP notes – subjective, objective, assessment, plan) in which the vet has recorded examination findings, pet’s health status, and test results (if applicable). This does not mean we need a full 12 months of records if it's not available (for example, if the pet is a new addition or born more recently), it is just the parameter we set for any pet to make sure there was a sufficient pre-policy exam done and so that we receive the required records.
Pre-existing conditions are defined as anything symptomatic or diagnosed prior to starting the policy and through the initial waiting or exclusionary periods and are determined directly from the notes provided to us from your veterinarian. This policy ensures that pre-existing conditions are accurately assessed and helps us provide fair and consistent coverage for all policyholders. However, any time you feel there was an incorrect assessment, we welcome you to discuss your concerns with our team. 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 provide further assistance.
Best regards,
The Embrace Team
My claim for my dog has gone on for…
My claim for my dog has gone on for nearly 4 months. They’ve dragged the claim out. My claim was for an eye surgery, yet they asked for fecal results. That’s when they put a HOLD on my claim (8/24/26). When they got the results, the 3rd time (9/9/26), they said it would now take 30 days for a decision on my claim. When I asked if the claim will be decided on Oct 9th, they said no. The 30 days wasn’t calendar days, they said it takes 30 work days. Terrible customer service and even worse company for dragging things out!!!!! I plan to cancel as soon as my subscription comes due!!!
June 17, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Kevin,
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
Amazing reimbursement
Amazing reimbursement, efficient customer service and easy, quick process for filling claims
October 12, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Amanda,
We strive to provide exceptional customer service and to process claims as efficiently as possible, so we're pleased to hear you've had a positive experience with our team! Thank you for taking the time to share your feedback.
Best regards,
The Embrace Team
Happy with Embrace and claim
This was the first claim Ive ever had to make on my animals. Embrace were very kind, efficient, and paid the claim out within a reasonable amount of time. And their Customer Service answered all questions I had in order to get thru the claim process.
September 26, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Linda,
We sincerely appreciate your kind words. We're glad our team has met your expectations and are thrilled to hear you've had such a positive experience with your policy!
Best regards,
The Embrace Team
Biggest scam ever, do not get this insurance
This company will find every reason to not pay a claim. They will claim the medical records from the annual wellness exam are sufficient then when a claim comes in, magically the records are no longer enough. Also, I moved and they raised my rate $40 more a month claiming that its more expensive for vet visits even though im still using the same vet clinic. This was after raising my rate $180 a month at renewal even though I had no claims. The claim i just put in, theres not enough room here to explain how angry I am. I literally wasted my money on this insurance. AND when I tried to question the claims Adjuster over the phone, she hung up on me and then sent me to voicemail after that. Im so done with this company. My vet clinic said they are equally upset with how my claim has been handled as they had to get invovled, and will no longer be recommending it to pet owners.
October 9, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Caitlin,
We sincerely regret that your experience with our company has not met your expectations. Our premiums are set by our data team, who conduct a substantial analysis each year, and these findings help to determine premium pricing for all policies in each state. Premiums are partially based on the claims data we have for your pet's details (age, breed/weight, sex) and the location (ZIP code territory) where you reside, so if you move to a new address the premium is subject to change. We do not currently base premiums on where your personal vet provider resides because there are no networks with pet insurance, meaning you can go to any licensed vet you choose anywhere within the US and overseas for up to 6 months if traveling. We were unable to locate your account to view the specific details of your claims, but please know we take your feedback seriously and we're happy to address your concerns. 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
Embrace pet insurance has been a…
Embrace pet insurance has been a critical partner for our Sphynx cats to make sure that their medical care decisions could be made on their needs instead of the costs. They maintained coverage when we moved overseas in support of the military.
Claims were completed quickly. And when we had to euthanize one of our beloved cats, they sent notes of condolence. They closed out that claim and issued refunds on remaining policy premiums.
October 6, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Wisdom of the Sphynx,
We're glad that our team has been able to provide you with the information and support needed to make the claims process as smooth as possible and help alleviate some of the financial stress. We sincerely appreciate you taking the time to share your experience and we're truly grateful you chose Embrace to help keep your cats healthy and happy!
Best regards,
The Embrace Team
Excellent customer service
Excellent customer service. Easy to navigate their app and side. Easy to submit claims.
September 11, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello J. Allen,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
The claim process is very smooth
The claim process is very smooth. Easy to navigate and gets reimbursed quickly.
September 30, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello,
We're happy to hear you found the site easy to navigate and the claim submission process went smoothly for you! Thank you for taking the time to share your experience!
Best regards,
The Embrace Team
I would love to see embrace raise the…
I would love to see embrace raise the amount for the wellness reward certain breeds need to see a groomer every other month and a groomer cost anywhere from $60-$100 with the allowance given you would only be able to take the animal to a groomer seven times that’s not including the other wellness that a puppy or dog would need
October 10, 2026
Reply from Embrace Pet Insurance
Hello Jason,
We appreciate you sharing this feedback as we are always looking to improve our services. If you have any additional questions or concerns, please feel free to reach out to our Customer Care team and we're happy to assist you further!
Best regards,
The Embrace Team
staff super
October 9, 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Pete,
Thank you for taking the time to leave us a review!
Best regards,
The Embrace Team
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