# Embrace Pet Insurance — user reviews > 353 indexed App Store user reviews of Embrace Pet Insurance by Embrace Pet Insurance Agency, LLC, rated 4.80/5 from 46,079 ratings. - Source: https://appshunter.io/ios/app/embrace-pet-insurance/id1446529885/reviews - App overview in markdown: https://appshunter.io/ios/app/embrace-pet-insurance/id1446529885.md - Rating breakdown: 5★ 41,666 · 4★ 2,385 · 3★ 785 · 2★ 351 · 1★ 892 ## What do users think of Embrace Pet Insurance? Overall sentiment: mixed **Pros** - 🚀 Easy to submit claims - 👍 Friendly and responsive customer service - 🚀 Quick claim processing and reimbursement - 👍 Comprehensive coverage and preventative care options **Cons** - 🐛 Buggy and slow app - 🔍 Difficulty uploading documents - ❌ Denying claims for questionable pre-existing conditions - 🤔 Confusing policy terms and limitations **Commonly reported bugs** - App crashes when trying to submit claims - Login issues and inability to access account - Syncing problems between app and website **Most requested features** - Allow PDF uploads instead of just photos - Improve app performance and stability - Provide more transparency on claim decisions - Enable profile editing from the app ## Newest reviews (17 of 353) ### 4/5 — Unable to update my pets info or photos since last update *2026-08-21, version 2.0.6* This app has been very good and convenient, but without the ability to update your pets’ information, it kind of defeats the purpose… ### 4/5 — Submitting a bill *2026-08-18, version 2.0.6* Submitting a bill is very user friendly ; no problem to get the money for the claim ! ### 3/5 — App does not actually allow Face ID or 2FA *2026-08-07, version 2.0.5* Unfortunately, despite having Face ID turned on, and both my cellphone number AND email in the account, the app will not text me the security code, nor will it utilize Face ID to login. It will send the 2FA code by email, eventually. ### 1/5 — The worst insurance ever *2026-07-23, version 2.0.5* I made six claims for my two cats. None of those were reimbursed because they missing “full pre-policy medical history”. And this was my first visit to vet. There ain’t no history I could provide. So I guess people can use this insurance only after year of paying them. Worst insurance ever. ### 1/5 — Would not recommend *2026-07-20, version 2.0.5* We have been with embrace for over a year. We filed a few claims about 30 days ago. Embrace still hasn’t processed them. If we email about it, it takes a week for anyone to get back with us. Then it’s generic answers. When we call, we’re on hold for over 25 minutes before reaching someone. When the answer, they don’t help, the person just said, “wait another week.” Would highly recommend going with another company that has better customer service and response times. ### 1/5 — Forget trying to submit claims *2026-07-17, version 2.0.5* In a recent round of updates, you are unable to submit any claims via app. Good luck! ### 1/5 — Unable to submit claim *2026-07-09, version 2.0.4* I tried to submit a claim for wellness which I have bought the insurance for but no matter what I typed in the reason for submitting a claim, it wouldn't let me to move to the next step. I tried submitting another claim for an injury, same result. ### 1/5 — Still Non-functioning after Spring 2026 update *2026-07-06, version 2.0.4* I used to use this app all the time to submit and check on my claims. Since the latest update with the logo change, the app is completely unusable. I cannot tap, swipe or do anything after logging in. I wish I could use it because it looks like a nice update! iPhone 13 Pro. Review updated July 2026. Still non-functioning. Otherwise great insurance and service! ### 1/5 — great way to waste money *2026-06-24, version 2.0.4* my pets condition was 100% supposed to be covered per my lawyer. they will delay your claim and after they recieve enough monthly payments from you, they will deny it. ### 1/5 — Unusable *2026-06-10, version v2.0.3* After the most recent update this app is completely unusable. Every time I open it it’s frozen and I can’t even tap on anything. ### 1/5 — New Update Doesn’t Work *2026-06-02, version v2.0.3* Can’t do anything on this app. Get an error with everything I try to do ### 1/5 — Huge step backwards *2026-06-02, version v2.0.3* This latest update to the app is awful! Not only is the interface less user friendly, the app malfunctions and makes uploading documents difficult to impossible. Pet parents dealing with their pets’ health issues have enough to worry about without Embrace making it even harder ### 1/5 — Can’t login anymore. Useless service *2026-05-29, version v2.0.3* Embrace’s IT infrastructure is completely broken. I can’t log into the app anymore. It was finicky before but now it’s useless. I’ve tried turning off my vpn and fiddling with wifi but nothing works. The website throws SSL errors frequently and the coverage for a senior dog is not worth it. Useless on every level. ### 1/5 — Login Fails Most Days *2026-05-27, version v2.0.3* Unable to log in most days, either it never gets to 2 factor or 2 factor doesn’t recognize being sent and let me in. It’s also very hard to review claims when you have many going on. I can’t see what I’ve submitted to them. It’s 2026 people, come on, you just redesigned this app. Do better. ### 2/5 — New update *2026-05-27, version v2.0.3* The new app update doesn’t work, it doesn’t even open. I have the latest iPhone and the latest version updates. ### 1/5 — Unbearably slow *2026-05-26, version v2.0.3* This app sucks since it got updated. Asks for a damn verification code every time I log in and it takes forever to load or I get an error message. Trying to log in through the browser is no different. ### 1/5 — App & website have been awful *2026-05-20, version v2.0.3* I’ve been with embrace since the 90s these past months with needing a 2 step verification to log in is extremely frustrating as it never loads to the next page to submit the verification code… this actually happens on their new website as well… for the amount of money I pay monthly I expect to be able to submit claims & log into my account ## Most critical reviews (10 lowest-rated) ### 1/5 — Don’t recommend *2026-09-03, version 2.0.6* I don’t recommend embrace as an overall insurance for your pets and also the app is really difficult to use. The amount of times things have glitched or timed out is frustrating. You can only submit claims for businesses from a dropdown menu so if you send payments to a groomer via Venmo, they wont cover it. They have outrageous premiums with low overall caps so you rly need to do the math. Raised my premium $100 yo a total of $253 a month and in the two years ive had embrace, havent covered a single thing. Might as well have put that money into a separate savings. I’ve used healthy paws in the past and have had overall good experiences with them and their app usage. Does come with some normal insurance bs, but wish I would have just stuck with them. ### 1/5 — App is garbage! *2026-08-12, version 2.0.6* Once upon a time, I could easily file claims for my pets in the app. The process was so quick and easy. Now, neither the app nor the website work. The app won’t even show my pets! All claims have to be emailed, and it takes at least a week for them to even acknowledge receiving it. This has been the case for months. They clearly have no intention of fixing the app, yet they continually push out useless updates. Garbage! ### 1/5 — Horrible App *2026-08-11, version 2.0.6* No matter how many updates they do to the app, it still does not work. None of my pets ever show on the app. I cannot submit claims using the app since my pets never show. This has been going on for a couple of months now. And when I contact customer support, all I get in response is that they are working the problem. Yet the app keeps getting updated and the problem still exists. ### 1/5 — Unable to load claims *2026-08-10, version 2.0.6* This app has not loaded or accepted claims since late June 2026. A once easy QUICK process, I am now tasked with submitting claims via email for a chronically ill pet. I was always a huge fan of Embrace and the support of insurance for our last 5 pets. I have no idea what is happening with the Embrace app and can only say what a shame the service has become. I expressed my concern to the company and have been asked to submit claims by email. ### 1/5 — Bad app *2026-08-09, version 2.0.5* Fix your app and website asap! I cannot submit claims and technical support says they don’t see an issue. App says technical difficulties and then the webpage says my dog doesn’t exist. I can’t submit my claims anymore and it’s so frustrating ### 1/5 — Technical difficulties *2026-07-31, version 2.0.5* Been trying to file a claim for days. Ap has ‘technical difficulties’. Website won’t upload correctly. Keeps saying no pet covered. It’s for wellness and is covered immediately. Thankfully , I’m still within my cancellation window and that’s what I’ll be doing. Very disappointed. ### 1/5 — App is broken *2026-07-30, version 2.0.5* The app has been broken for months. I called customer service and they said it was fine on their end so they didn't see the problem. I have deleted and redownloaded the app and checked the web browser. None of it works. I would like to see my pets policies and information. ### 1/5 — Ever since the update I cant use the app *2026-07-29, version 2.0.5* After logging in I can't use the app at all! The thing just doesn't register anything I press, the app is so broken! ### 1/5 — Broken App *2026-07-29, version 2.0.5* This app has become garbage. I have not been able to use the app, or even the website, to submit claims for almost two months now. Sure, I can submit claims via email; however, that process is painfully slow. I keep sending emails and messages about the issue, but for the most part, I get no response. For a while there, I actually thought that Embrace went out of business. It seems like they have stopped caring if their app works or not. ### 1/5 — App doesn’t work! *2026-07-27, version 2.0.5* Please update the app to make all of the features available. I can’t add a new pet in the app or on your website. This is super inconvenient and there are so many recent reviews of people having the same issues. ## Most praised reviews (10 highest-rated) ### 5/5 — Helpful and Prompt *2026-08-07, version 2.0.5* We’ve been clients of Embrace for around four years now, and this is our first major claim. Claim was for the initial vet visit for tibia and fibula fracture of our kitty. Happy to say, the claim was submitted and within five days we had our deductible acknowledged, and a check was sent. A good outcome so far. Next, we submit the claim for surgery, which was seven times the expense of the initial visit.. hoping for a good outcome there as well. I’m just grateful I can say now that we have pet insurance with Embrace! Thank you! ### 5/5 — Claim Submittal *2026-06-14, version 2.0.4* The Embrace app makes it so easy to submit claims. Typically, I can submit them in less than five minutes. ### 5/5 — Awesome *2026-05-23, version v2.0.3* Love this app ### 5/5 — App Redesign *2026-04-25, version v2.0.2* Previous app always worked pretty well for me, but the new update makes claims cleaner and easier. Nicely done, guys! It’s rare to see a redesign like this be quickly seamless. ### 5/5 — Fast and thorough service *2026-04-01, version 2.0.0* I'm so happy with Embrace! My precious baby needed emergency surgery. Embrace was fabulous! You hear nightmares of insurance companies that will do anything to avoid paying claims- not this one. Professional, caring and fast! ### 5/5 — Customer service *2026-03-24, version 1.0.235* Great customer service and prompt response on claims. ### 5/5 — Great *2026-03-20, version 1.0.235* Smooth ### 5/5 — Claim *2026-03-10, version 1.0.235* Very easy to upload claim from my phone ### 5/5 — The Best *2026-03-04, version 1.0.235* I love Embrace Pet Insurance and we are so lucky to have it. It’s better than my human insurance and your employees are wonderful.. all around awesome. Thank you for all that you do for our family.. it means a lot. It’s nice to love an insurance company and I really do.. thank you. ### 5/5 — Nice upgrade *2026-03-02, version 1.0.235* We have been clients for over 10 years. The new app is so user friendly, and the claim completion time has been shorter than ever. :) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-11.*