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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I have used them for 7 years
I have used them for 7 years. Have had the best service always. Two of my dogs have had major issues and major claims this year. They have saved their lives many times. I am so grateful for Embrace. Thank you!!!
2 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Linda,
We're so glad to hear about our positive impact on your dogs during their health struggles, and we are grateful we could help support your family and provide the necessary care. Thank you for choosing Embrace and for taking the time to leave us a review!
Best regards,
The Embrace Team
Embrace is a very honest and Fair…
Embrace is a very honest and Fair Company. I’ve had them now for 15 years and I would not change it for the world. They’re very reputable and rewarding. Thank you.
2 November 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Debra,
We're happy to hear you've had a positive experience with your Embrace policy and we sincerely appreciate your many years of loyalty! Thank you for recommending us and for taking the time to share that feedback!
Best regards,
The Embrace Team
I recently purchased policies for my…
I recently purchased policies for my two dogs and decided to cancel after reviewing their exclusions and limitations more closely. What should have been a simple cancellation turned into an unnecessarily frustrating experience.
The representative repeatedly questioned my decision instead of simply processing my cancellation as requested. On top of that, their website wasn't functioning properly, making the process even more aggravating.
One of my biggest concerns was their 180-day waiting period for intervertebral disc disease (IVDD). When you're paying for pet insurance to protect yourself against unexpected veterinary expenses, exclusions and waiting periods like that are a major concern.
I had only been a customer for two days, and the cancellation process alone was enough to convince me I made the right decision.
My advice? Read every exclusion, waiting period, and limitation carefully before purchasing pet insurance. Don't assume something is covered just because the company advertises comprehensive protection.
31 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Allen,
We sincerely regret that your experience with our company did not meet your expectations. Waiting or exclusionary periods for pet insurance exist to prevent fraud and are required for all newly enrolling pets or new pets being added to an existing policy. They vary depending on the type of coverage and the laws in your specific state, but we strive to be as transparent as possible about our coverage requirements. Prior to completing the purchase of a policy—whether online or over the phone—all policyholders must acknowledge and accept that they understand the information and requirements related to waiting/exclusionary periods, the exam requirement, and pre-existing conditions. We understand you already canceled your policy and we are sad to see you go, but if you have any additional questions or concerns, please feel free to reach out and we're happy to help. 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
Do not trust this company
Do not trust this company. We were never able to get any type of reimbursement for claims submitted. I cancelled the coverage and only to find out they were automatically billing me for two years! I’ve been fighting it but no luck. Horrible, HORRIBLE company. Do not trust them.
31 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Shelly,
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 cancellation 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 you further.
Best regards,
The Embrace Team
This company is awful to deal with no…
This company is awful to deal with no return calls long wait on decisions. My dog was in auto accident and the refused to pay claim saying that because my dog had a pre existing condition they would not pay. When car accident happened there was.no problem with his leg. Doctor sent a letter and explained that the pre existing condition had no effect on the problem with the accident they stil refused to pay claim. Do not use this company it's a rip off.
I will be sueing them in near future.
14 May 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Mark,
We regret any disappointment you experienced with the outcome of your claim. We strive to be as upfront as possible about our coverage and the exclusion of pre-existing conditions, which are defined as anything diagnosed or symptomatic prior to starting the policy and through the initial waiting and/or exclusionary periods. 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 we're happy to address any additional 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
They always communicate clearly…
They always communicate clearly whenever we have questions or concerns. They respond quickly whenever a claim is submitted!
29 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Kathy,
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
Beware of tactics to avoid paying for claim
Customer service informed me that my cat needed a physical exam before filing a claim. I have went to the same Vet center for years and have yearly exam done. Because it wasn't a "Full physical exam", they rejected my claim and extended the waiting period. I sent in all my records from previous year. All exams was fine no additional test needed. I will highly not recommend with this company unless you spend money to get a "Full Physical exam" first.
30 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Yo,
We sincerely regret that your experience with our company did not meet your expectations. In order for the coverage to go into effect, we require one physical exam with detailed medical findings either within the 12 months prior to starting the policy or within the first 14 days of the start date. The medical history we look for includes doctor's and/or chart notes in which the vet has recorded examination findings, pet’s health status, and test results (if applicable). We do strive to be as upfront as possible in regard to this condition of the policy, with it being noted in the acknowledgements that have to be agreed to upon purchase and in our onboarding emails. If there is no exam done during this timeframe, we must extend the illness waiting period to the date of the first sufficient exam. If you have any additional questions or concerns, please feel free to call our Customer Care Center at 800-511-9172 and we're happy to provide further assistance.
Best regards,
The Embrace Team
I had to take my one year old IG to the…
I had to take my one year old IG to the emergency vet. It was very simple to submit my invoice to Embrace online, and within a couple of days my invoice was approved.
23 October 2026
Reply from Embrace Pet Insurance
Hello Donna,
Thank you for taking the time to share that feedback! We’re glad to hear you found the claim submission process user-friendly!
Best regards,
The Embrace Team
So far most of my claims have been…
So far most of my claims have been denied because of allegedly pre-existing conditions 🤦🏻♀️.
They will find any excuse to deny deny deny…
Keep shopping America 🤦🏻♀️.
8 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Mary,
We want to assure you that we are committed to providing consistent coverage for pets throughout their life, with 92% of the claims received qualifying for coverage, but we are unable to provide coverage for pre-existing conditions. 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. 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
I am new to Embrace and this was my…
I am new to Embrace and this was my first claim. The process was straightforwand, the response was timely and the claim was processed in less than three days. I'm impressed so far.
16 September 2026
Reply from Embrace Pet Insurance
Hello David,
We're happy to hear that you found the claims process to be straightforward and that you received the coverage you expected. Thank you for taking the time to share your experience!
Best regards,
The Embrace Team
My experience with Embrace has always…
My experience with Embrace has always been great! The process is super easy, Embracers are friendly & efficient &, if you file your claim as instructed, the turnaround is fast. I’ve been a customer since January 24, 2023
I’ve had other pet insurance over my years of having pet companions and Embrace is the best.
26 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Lucia,
We're thrilled to hear you've experienced excellent service from our Customer Care team and have been satisfied with the processing of your claims. Thank you for taking the time to share your kind words and for being a valued customer!
Best regards,
The Embrace Team
Highly recommend
I had Embrace for my first pup many years ago, and they were wonderful! Just signed on for my newest addition and already had a claim submitted and paid for! No regrets. Would highly recommend!
5 August 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Joyce,
Thank you for returning to us to protect your newest family member. We are pleased to hear that your recent claim was processed and paid quickly, and we sincerely appreciate your recommendation!
Best regards,
The Embrace Team
Great to have the pet insurance
Great to have the pet insurance! Excellent customer service. Claim submission is a very easy process al done online. Reimbursement on timely manner is always a plus. Highly recommended.
30 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Lorena,
Thank you for your recommendation and for taking the time to share that feedback! We're grateful for your continued trust and appreciate you choosing Embrace!
Best regards,
The Embrace Team
Deeply recommend
Deeply recommend! Having insurance takes the load and the fear of taking my cat to the vet without being able to afford. The response time and reimbursement needs the be recognized as well, Embrace delivers a great response time and customer service.
30 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Vitoria,
Thank you for sharing your feedback! We are pleased to hear that our coverage provides peace of mind regarding your cat's veterinary care, and that you are satisfied with our reimbursement turnaround and customer service.
Best regards,
The Embrace Team
Lost coverage on an administrative technicality
I have had my dog insured with this company for 9 years. I moved states and they didn't have the same coverage option, I jad previously. This triggered a review as if my dog was a brand new client. Now almost everything is a preexisting condition. Like, everything. 9 years my dog has been insured at embrace. And when I need insurance most, for my senior dog, they effectively stopped covering on a technicality. This wouldnt be legal if this was human health care. It's not ethical in insurance period.
It is 2 stars because when I used them. They were pretty fair and responsive for 9 years. But effectively taking away my dogs insurance. That he has had with this company his entire life. May be legal, but is ethically and morally corrupt.
31 August 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Josh,
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 and we're happy to address any additional questions or concerns you have. We were unable to locate your account, but 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 customer service
Poor customer service. Been paying insurance for 2 years put in my 1st claim 2 months ago. They're constasaying the vet hasn't sent diagnosis. I called and they were ready to same the sane until I said I had proof and was cc by my vet who states they sent it several times. My vet is extremely responsible been dealing with them for 2 decades. Still nothing from embrace. Not even a courtesy call. Wouldn't recommend them at this point. Although the agent then said oh yes your right we have received it.
18 July 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello F.,
We sincerely regret any frustration you experienced with the processing of your claim. If we are ever missing any required documentation to process a claim, our standard procedure is to reach out directly to the vet provider on your behalf, but we do copy you on the requests for your reference so that you are kept in the loop. We also provide status updates via email and via your customer account. Sometimes an additional automated email request may go out before we've had a chance to update the information in our system and we apologize for any confusion that may have caused. We were unable to locate your account to view the specific details, but if you have any other questions, 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
Excellent Coverage and Lightning-Fast Reimbursement
I’ve had Embrace Pet Insurance for Bella for about 11 years now. I adopted her from the shelter when she was roughly a year old, and for most of her life she was the picture of health. I even came close to canceling the policy more than once simply because she stayed so healthy and it felt like something I might not need. Then, two years ago, everything changed.
Bella was diagnosed with small-cell lymphoma, hyperthyroidism, and arthritis. Suddenly we were dealing with a local veterinarian, a specialized oncology team at Cornell University in Ithaca, ongoing diagnostics, medications, and treatment plans. The costs added up fast. The early years of modest monthly premiums suddenly looked very small compared with what her care has required.
What has stood out most is how smoothly Embrace has handled everything. I submit the bills, they are approved the same day, and the 80% reimbursement is in my bank account the next day. It is consistently that fast. Medications are covered as well. When I’ve had questions, I’ve been able to reach a real person on the phone who took care of the issue without runaround or delay. I have never had a billing problem with them.
Without this insurance I would have been under serious financial strain trying to give Bella the care she needs. Some people in that situation are forced to make heartbreaking choices. Because of Embrace, I haven’t had to. I have never regretted keeping the policy, and I am deeply thankful it was in place when we needed it most.
If you’re considering pet insurance, please look at Embrace. If you already have it and are thinking about canceling because your pet has been healthy so far, don’t. You never know when that “just in case” coverage will become the reason you can say yes to the best care for them.
29 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Victoria,
We sincerely appreciate your kind words and we're glad to hear our team was there to support you and Bella during such a difficult time. We know how important pet insurance is, especially when facing unexpected vet bills, and we're happy your policy has provided peace of mind and the ability to choose treatments based on the best care options available, not based on the cost. If you are interested in being featured in our member testimonial campaign, please send an email to embracesocial@embracepetinsurance.com for more information. Thank you again for taking the time to share your experience and for choosing Embrace to help keep your furry family members healthy and happy!
Best regards,
The Embrace Team
Excellent service.
Excellent service.. Our claims are processed expeditiously..
29 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Krystyna,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
easy and fast and great respone time
27 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Tony,
We're grateful for your positive feedback and appreciate you taking the time to leave us a review!
Best regards,
The Embrace Team
Submitting claims is always a quick and…
Submitting claims is always a quick and easy process. I have had embrace for many years and have never had any issues!
29 October 2026
Unprompted review
Reply from Embrace Pet Insurance
Hello Danielle,
Thank you for taking the time to share that feedback! We’re glad to hear you found the claim submission process user-friendly and we appreciate you choosing Embrace to help keep your furry family members healthy and happy!
Best regards,
The Embrace Team
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