Embrace Pet Insurance Reviews

They explained why my dog was not covered for an emergency tooth removal along with clean and to prevent other infections. I pay a lot of money for my dogs' insurance and this last visit was $490.90 out of pocket with no reimbursement. They were pretty good in the past but this was a hit below the belt. I would not give them no stars because their agent Derek was very kind trying to excuse why I was stuck with all the bill. I will find another Co. next year. Two dogs with a 70% plan cost me near 1k$ per year, I'm sure I can do better.

I've have insured my dog with Embrace for 12 years, a reliable customer who pays his bills on time. When my dog turned 10 years old the annual premium started climbing rapidly, making it hard to afford the cost of insuring with them. Then, this year Embrace dramatically increased my annual premium, this time by 50% to $4000 annually, including a $1000 deductible. My annual insurance I have seen their rates climb ever since my dog developed an arthritic condition. I talked to the President's office at Embrace to get some relief, and was told that I should blame the "State" and that Massachusetts pet insurance actuarial tables are driving the 50% increase in my premium. Human insurance rates can get expensive as well, but the cost for caring for the elderly is typically offset by the smaller claims they expect from the young.

If your dog has ever had tartar in the past noted in their chart or currently has tartar and is seen for a loose tooth requiring pain medication, forget about Embrace reimbursing. They'll use that as an excuse to deny a claim because they consider tartar a pre-existing condition. Which is absurd, because just about every dog or cat has tartar, yet, they advertise they cover dental problems to include extractions. This is bait and switch as far as I'm concerned. I've had my little dog Coco insured through Embrace, with a high deductible no less, since adopting her from a hoarding situation with 45 dogs when she was 11 months old, and they've pretty much denied every claim for one reason or another.

I never had pet insurance for any of my dogs in the past. When I adopted Mala who is a rescue from China I decided it would be worthwhile... it sure is! She lost some of the hair on her back this summer and we saw special vets. Embrace was right there to help with the cost of specialized vets and treatments. Fabulous company. I highly recommend!!

This was my first year using Pet Embrace and it has been a wonderful experience. My dog had some unexpected health issues during her first year, but I was so grateful to have Pet Embrace. Everyone I worked with was extremely helpful and pleasant to speak with. 10/10 would recommend this insurance to any pet owner!!

Embrace is a easy accessible pet insurance company, but costs increased exponentially as the years went on. I insured 2 dogs under a very good plan. So I expected to pay more. But a $200 annual increase kept going up over ten years to the last two years where the annual cost increased over $1000 per year. In other words for 2 dogs I started paying a little over $1000 a year to $4700 per year. And my dogs were not ill with a ton of claims. Overall I spent more on pet insurance and out of pocket than if I had just paid for everything my pets needed out of pocket. I understand that's the risk of insurance. But I've cancelled my policies and don't know if I'd do it again. For some though, I imagine insurance works our more in their favor.

If your dog has ever had a single lump no future lumps will ever be covered (and they all get them as they age), if your dog has the slightest bit of tarter no dental will ever be covered and basically anything that they’ve ever been checked out for, even if it was nothing…will never be covered. If they don’t like the notes your vet took, they will not reimburse you. Worst ever. I cancelled after wasting money on premiums for over a year.

I paid for pet insurance 11 years and hardly used it; We chose our pet from a breeder of merit. We feed her premium foods, have regular exercise and vet exams. Now that our dog is 11 years old, the price for insurance skyrocketed!!! It is no longer cost effective for us to pay the very high premium with a very high deductible. It ended up we paid for pet insurance for 11 years (around $7000). Instead, I wish I had opened a savings account for our dog to have money for vet bills as she ages!!

I feel that all this company does is try to find ways not to pay. My dog had a positive heartworm test from Gergi that was a false positive. The shelter put her on Heart worm medication that I had to give her every 2 weeks. Before I started the Meds the shelter called and said they did another test and it was negative so stop the medication and just give her the heartworm meds every month as normal dogs get it. Embrace wanted no part of this reasoning and denied my claim.

Don't buy this insurance unless you just bought a HEALTHY PET that has never been treated for any dental or urinary tract issues! Told by the agent selling the insurance my cats conditions would be covered and not considered preexisting if they had not been treated by a vet for teeth or UTI condition in the last 12 months. Agent told me they would request records and do review right away so could be determined if anything was preexisting. (I had 30 days to cancel if not satisfied with coverage). I filed a claim and after a week or so was emailed that vet not sending them records, this type of email went on for weeks with no resolution. I told them I cannot force the vet to do anything. Then received email stating records in line for review, then another week later was told needed records from the vet, then next week the records are in for review.

I’ve filed several claims with them in the past few years. My dogs are getting on in years and with that comes health scares. Their claims process is simple and timely. I’m extremely happy that I spend the money on pet insurance as it’s saved us financially from the multiple surgeries my dogs have undergone. The return on investment is terrific! They respond quickly to claims. I would recommend this company to anyone.

As an animal field professional I have always been an advocate for pet insurance but after having to use mine, I’m a true believer everyone should carry it. It has helped me make quick decisions and given me peace of mind financially in such a difficult time when my little kitty started having seizures. I was able to take him to the best hospitals and get the care he needed asap. We still have a long road to normal, but I’m glad to have Embrace on my team!

Horrible costumer service. Unresponsive, unprofessional, deceitful, to put it simply, they’re only interested in getting your money and will find any reason to denied your claims. Do your research. Most of the reviews are “sponsored” and therefore not true. It would be wise to go somewhere else for pet insurance.

I forgot to add Prescription drug option and he added it for me and sent me updated paperwork, great job done well!! Thank you for the quick job. Well done. It was easy and very quick to have him correct this problem, he was also very nice to work with. They took good care of me and my dog.

It's hard enough to work through a pet's illness and sickness, but the customer service team helped us significantly get organized, get the right documents in, and get a decision regarding coverages moving forward. Very grateful for the team's help so we could focus on the recovery of our babies.

New to pet parenting and wanted good insurance for my new kitten. I am currently a USAA member and came across Embrace during my search. I have had two claims paid out already. Very long wait for customer service, however, once they are on the call they are very helpful and patient. I have recommended Embrace to another person already.

Embrace has been easy to work with to file claims. Their website is very good and easy to navigate. I have, and will, recommend them. I have also called their tech line and have been pleased with its service. The call was handled by a tech, but he was so knowledgeable, confident, and clear, I thought I was speaking with a vet. And, this was an evening call when I could hear his kids in the background.

I wish my own health insurance was like this. My dog injured his paw on a hike, requiring a trip to the emergency vet clinic. After submitting my claim, I received an email only about a week later explaining everything that was covered. I had one question about an item not covered, and the folks at Embrace got quickly back to me with an adjusted claim including coverage for that item as well. I wish my own insurance was this transparent and timely, rather than the seemingly endless flow of bills, "refunds", and confusing explanations. Thank you, Embrace! Highly recommend 10/10!!!

I have had insurance on my Lab - Bailey - for 13 years since she was 3 months old. My claims were always handled promptly. I have had a lot of claims the last couple of years and I had no problems with the coverage. Sadly I had to put her down yesterday. I would definitely recommend Embrace & should I get another dog, I would use them again.

We have always had multiple pets during our 57 years of marriage and have used various pet insurance companies during that period. We currently have 2 cats that have been insured with Embrace Pet Insurance Company for 10+ years and Embrace has proven to us every step of the way that they are the best in the business. One of our cats acquired glaucoma 2+ years ago and was nearly blind when the condition was detected. The cat required complex laser eye surgery to regain her vision, plus recurring vet visit checkups and numerous eye-drops/other medications since completion of the successful surgery. We are pleased that the cat now seems to be doing well.

Our first big claim In 9 months. 2000. Was paid 90% in a fast manner and couldn't be happier with Embrace. I've had 2 other plans the past 20 years and this one pays the most with a lower deductible. Highly recommend. Premiums are high but very reasonable for the complete coverage. And loved the direct deposit.

My pet had surgery four months ago and I have submitted a lot of documents as well as talk with my vet about it and made numerous phone calls. I’ve also emailed nothing has been done about this claim which is worth a lot of money. It’s costing me a lot to have to keep this on a credit card and pay the interest. This Claims person has absolutely failed me, and I would never recommend Embrace to one single person.

I previously had Embrace as my pet insurance and decided to go back when I got a new dog. Embrace has a user friendly app and website. In addition, they always have live agents to assist if you do need to call in. Every time I’ve had to call it was an extremely pleasant experience. I always recommend Embrace to friends and family. Their prices are great but most importantly the employees are helpful and kind.

I sent in a claim for Riley for an Oct 2022 date of service. You requested the vet's notes for that service. Jefferson Vet Clinic emailed those notes to you the end of December. I then emailed the notes to you on June 29 2023. I have been told that the claim got "stuck" in the system and last time I checked in July, the claim was still on hold. I would like this claim resolved before I remove Riley from the policy as he passed away June 9.

We canceled our insurance on June 3, 2023, and they billed our account again in July of 2023. I called to report that billed us again and was notifed that will get a refund to us. We still have not received the refund. I was notified that will not remove the card we have on file for this old policy. They need to make it right.

The process is very easy thru the website and the customer service person (I think his name was Tony) was extremely thoughtful and went above and beyond to contact me when we were disconnected and left a very detailed message to help me. The processing was efficient and a check was sent to me within about a month of the claim for Ozzie. Thank you for making it easy!

I purchased health insurance for my healthy five year old golden retriever in August 2022. I selected the mid-range plan that covers illness and accidents and cost almost $90/ month. I submitted my first claim in November 2022 for a wellness visit. That claim was denied, which I expected. My dog developed an ear infection after a careless groomer let water get into my dog's ears. The bill was $420.00. This was an illness, so I expected coverage.

I have been with Embrace for multiple years and have always had a speedy and accurate payment on claims. I also use their wellness benefits to have wellness visits and grooming costs spread out over the year. As I said they have always been speedy but recently both the wellness and the illness claims have been slower. Overall I highly recommend the insurance

As several reviews have mentioned do not waste your money on this “insurance” because this company will find any and every reason to deny your claim. I had ONE claim for my dog and it took them over a month to process it and that was after they asked me to do the legwork (contacting my vets and obtaining documentation, submitting it etc.) only to deny the coverage more than a month later.

Our mastiff mix tore his cruciate ligament while playing, from the first appointment with X-rays and blood work, refills on medications, and through the surgery, Embrace processed the invoices and requested anything needed further from the vet. It all happened so quickly and efficiently with very little fuss or inconvenience. I would highly recommend Embrace pet insurance and am grateful I have both of my dogs insured.

It has been a comfort working with Embrace to insure my two senior pets. I felt supported by the coverage I selected. There was a variety of options for me to select the right insurance for each pet. When the last pet had passed this February, I was touched by the compassion Dana had for me and the situation. I had made several attempts over the months after my pet's death to contact Embrace but grew anxious and would hang up, overwhelmed by the finality. What had started out as a dreaded call because my dog had died, became an uplifting one that was finally completed. I am grateful to Embrace and will continue to insure further pets through them.

Initial medical record review for my pet took weeks, and ended in me having to educate the Embrace claims adjuster that Albon is the same drug as Sulfadimethoxine. I would expect that medical claims adjusters are experienced enough to review and understand the documents. (this concern was addressed directly with Embrace at the time) The other concern with the extended timing comes from blatant lies from Embrace claiming they contacted the vet clinics for records. I personally work for the vet clinic that they claimed they were contacting...They absolutely did not. (this concern was addressed directly with Embrace at the time)

My cat had to spend over a week in intensive care at the local veterinary hospital. When I submitted the claim, you all split the claim into several claims based on individual calendar dates. But my frustration is you left the diagnosis filled out only on the originating date's claim. While every other date for the remaining claims you left the diagnosis blank. The diagnosis isn't going to change for all the days he was in the hospital, it's going to be the exact same claim meaning the same diagnosis for every day in the Intensive Care. That seems like it should be common sense so why would your office have to keep calling my Veterinary office and asking the same question about what the diagnosis was for every single day of the claim? The diagnosis isn't going to change. Please review your policy and use some common sense if you need to split a claim up into multiple days. This is extremely frustrating and slows down the entire claim process.

I don’t know what I would have done without insurance when my dog got cancer. Because I have it I didn’t have to decide between her treatment and her life. The process is so simple and goes really quick. I never have to worry why something did or didn’t get through and they provide an explanation for everything so there’s no confusion.

I had them for a couple of years now and I have had no problem with them at all. All of the representatives I talk to even are so kind and compassionate. They paid out my claim with no problems and with such ease within 2 weeks. They are wonderful!

I properly met the deadlines for the physical exam for my golden puppy. This also included the orthopedics exam. I was paid out for the orthopedics exam which was around $35 and microchipping. However, when it came to my puppy contracting Giardia the claims required resubmission and I was sent a generic automatic response, it didn't relay what exactly was wrong with the invoice. So I resubmitted a better image, still had issues until I called and I was told all information including my full name, my pet's name, the date of service and I did so and resubmitted.

I’ve been so grateful for the consistently incredibly fast customer service and claim turnaround with Embrace. My service dog is the love of my life, I would do anything for her - and having the peace of mind knowing that if an emergency happens, like it did last week, we have a financial safety net. Last week we had a really scary day, with two trips to the vet - one of them being the ER. It was such a relief to tell them, “Run whatever tests you need” without worrying if I could afford this emergency. The contacts at Embrace are SO quick to examine your claim and if your policy covers your needs, the direct deposits show up within DAYS. I will be a loyal customer with Embrace as long as I have dogs, so the rest of my life. I am *not paid for this review, I’m just a very grateful dog mom.

I had a rough week with my cat, Bazinga, where he needed multiple visits to the vet. With my illness & emergency coverage plan, I was able to get 80% of the totals refunded within the next 2 days for both his emergency visit and the 2 follow up appointments he needed as well as coverage for his prescriptions.

The agent was knowledgeable, pleasant, courteous, and helpful. He listened to my questions before offering answers and carefully constructed the answers to be within the policy provisions. I've used Embrace for years and found interpretation of their provisions to be fair and equitable. Their website is easy to use. Filing claims is also easy. Embrace is responsive.

It’s all **. They cover nothing always have any. My dog went in twice for hurting his foot, and for some reason it wasn’t covered. It’s always an excuse and long wait time and they will get back to you via email which is always six months later. And all you get is a rejection.

We have only had pet insurance through Embrace for a short time but they have been a joy to deal with, representatives are always prompt to respond and helpful. Having had a number of health issues in the past for our older dogs wishing we had acquired pet insurance, I am so glad we did this time for our new pup.

I was not told the truth in the beginning. I have 2 precious cockers that mean the world to me. But, I pay so much for vets, pay a high price for insurance with minimal return. I have it for emergency but the company should help more for pets and families. It is the reason why we have so many animals living their lives in cages and euthanized because they can't afford vet bills and way too high cost insurance that ends in minimal return!!!

I was shopping around comparing prices for insurance for my dog, Buddy. I was pleasantly surprised to find that I was able to get much better coverage with Embrace insurance for the same price I was paying for my current policy with a different insurer. Signing up using the computer was very easy and quick. The different insurance options were presented in a very clear and easy to read manner. I had my new coverage set up within minutes. The customer service team is very responsive and capable. I am sure that whenever I need to submit a claim to Embrace, it will be handled smoothly and quickly.

Getting our first ER visit covered was difficult as my dog was a new puppy. They wanted medical records that did not exist since he was only 10 weeks old. After figuring that out, we have loved having embrace. It has really saved our wallets since we have an accident prone pup.

I had submitted a claim and it was denied for my dog because she had gone to the vet for the same symptoms although the diagnose was different which took place a month later. After my initial vet appointment my dog didn't get better so when I took her back she received more meds and unfortunately that wasn't covered since the initial visit didn't help her heal.

I bought pet insurance for my dog about 2 years ago. Unfortunately, I had to use it when he developed a large tumor in his abdomen. I was honestly skeptical that my claim would get covered, but it did! The process was easy and the company was always polite and very easy to deal with. I would expect nothing less from a USAA company. It's unfortunate, that he was noted to have mild age-related decrease in mobility in his hips, which precluded any coverage of his back legs due to a pre-existing condition. Therefore, his bilateral ACL repairs weren't covered. Despite this, I would recommend this product.

I’ve been with Embrace a number of years. My pets are healthy. Embrace excessively raise rates. They raised it $100 a month this year and took away my earned deductible credits. I’ve only made 2 minor claims and they were 5 years ago. I’ve changed my deductible and premium payment 3 times because of their increases to keep it halfway reasonable. They are thieves. I can’t believe they took away credits I have earned from years of no claims. I can’t drop them because if my dogs need treatment another company could say it’s preexisting if it’s related issues. They know you can’t change carriers so they have out line price increases. Crooks.

Please do not ever take Embrace Pet Insurance. They charge you and don't live up or are intent on customer experience. They are a complete waste of money and time. I for one would not be looking at their insurance ever again.

Embrace's policies are written in a way that demonstrates very clearly their lack of care or concern for animal welfare. The waiting periods, the exclusions, it's all predatory and insidious. Did you know that the waiting period for orthopedic issues includes trauma and accidents? If you insure a dog and, during the orthopedic waiting period, they are hit by a car and suffer a broken leg, Embrace will not cover that (even though clearly being hit by a car is not breaking a leg due to a pre-existing condition, it's being broken due to trauma) -- and, furthermore, they will use that incident as an excuse to forego coverage for all musculoskeletal issues for at least a year, or perhaps the rest of the dog's life.

Sarah said there was some confsuion about my claim because of the way the vet checked off the boxes, and based on the vet's notes, Sarah is having the claim re-evaluated. Sarah was extrememly helpful! I really hope the claim will be looked into and the vet's notes carefully read because usually these visits to the vet are covered.

Embrace Pet Insurance (associated with USAA) is very affordable and has options to get reimbursed for grooming, training, as well as hospital visits and emergencies. The staff is very courteous and helpful. I highly recommend Embrace Pet Insurance.

Never had pet insurance before, never will again, if this treatment is typical. They lied about reimbursement for behavorial training if requested by Vet; disallowed it. Sent in my invoices for treatment at Vet Hospital. Never heard for 6 weeks. Called to find out why. Said they had received them and would get right on it. Two days later, received a copy of the letter they sent to my Vet requesting a copy of invoices for treatment that I had already sent! Did they think I made up the entire invoices, and these were all bogus charges? Do not want to be with a company that does not trust their own client. Glaringly apparent, I will not be renewing.

I’m not a fan. I paid it for 16 months because I didn’t have the cash available should something serious happen. But my first experience submitting claims was ridiculous. They asked for access to all of my 3 dogs' medical records then listed everything that they’ve been seen for as a pre-existing condition. For example - One of my dogs had had diarrhea so they listed stomach trouble as pre-existing and said she wouldn’t be covered for future diarrhea. No, one round of diarrhea does not make a pre-existing condition. My vet agreed that just because they’d been seen for various issues in the past, those issues were treated and didn’t require ongoing care. As such, they weren’t pre-existing conditions. My vet offered to do the documentation for all 3 dogs but I didn’t bother. Between not covering routine care & then the pre-ex **, I knew that I wouldn’t buy indefinite coverage.

This company is not trustworthy. I have paid 3 years insurance for my 3 dogs, they did not pay any medical invoice for my dogs during three years. Always the excuses that my dogs have pre-existing condition.

I have had Embrace for almost a year after switching from another carrier. So far I am quite pleased with how they have handled my claim, the knowledge of their staff when I call with questions. I will continue to use them for my Pet needs. I love my pets like my kids and want to make sure if the need arises for their care I am able to provide all necessary treatment for their recovery.

Had Embrace for over 10 years for 3 pets. My first two dogs died naturally so I never had any claims under embrace at all. My third dog as she approached double digits in age. The premium went up 150% several years in a row. I went from paying less than $30 to paying $100 per month for coverage. I never had an illness claim. This was for only a max of $8,000 in reimbursement at an 80% coverage rate. They may be decent coverage for the first year or two of your pet, but do not rely on them for a long-term plan!

As I said he was very kind and took his time with me. I am 77 years old and needed him to repeat things several times as I did not understand some things. He suggested I go with a lower timeline as he felt that was all I needed. He is an asset to your company.

With the state of human health insurance being such a scam and companies looking for everything in the fine print to never help the customers paying thousands per year for their health insurance, I was almost starting to think of cancelling my pet insurance with Embrace. I just filed my first claims with embrace a month ago after my dog got injured and then had an eye infection. Wow. No fuss, no tons of challenging my claims and making me fight tooth and nail for reimbursements. I provided the invoices, and was paid back within days. Couldn’t believe how easy the experience was, and I am very thankful. I love my dog more than anything, so will for sure be keeping him on insurance with Embrace forever, even though I hope and pray nothing bad ever happens to him again. Thank you.

When searching for the right coverage it was a challenge because there are so many to choose from. But what made it easy to select Embrace are these items: Affordability, Availability, Convenience and most importantly integrity of the product and customer service friendliness, these are the items which I used to proceed with choosing Embrace over many other pet insurances.

I've overall had a great experience with Embrace Pet Insurance. It was easy to setup as a new customer as well as automatic payments. The claims process was also very easy and fast. No complaints here and I will continue to use them as my pet insurance for my pup.

I decided to get my French Bulldog his BOAS surgery and didn’t fully understand that I’m supposed to come out of my pocket 100%, which to me isn’t cool considering if the surgery or further surgeries needed may come to be even more expensive and this isn’t how insurance should work. I should only have the pay the amount that the insurance would not cover and because of this, I had to wait over a month for my reimbursement check that never came, so I had to call and check to see where the reimbursement check was, only to find out I now have to wait another 2 weeks while they investigate?? Why does the investigation take that long when all that is needed is to see if the check got cashed or not.

My 11 yr old Jack Russell Terrier (Buddy) went to a local animal hospital because he was falling down a lot and he keeps walking in circles. He was diagnosed with arthritis, liver function issues and possible cognitive brain function issue. We were given meds for his brain function and liver enzyme problem and pain. All those were not pre-existing conditions within 1 yr of me getting Buddy's insurance policy. After Embrace reviewed documents from the hospital and Buddy's vet, they paid almost all of the $1,100 bill except for $450 deductible remaining for the year and a small amount of around $60. The review took a few weeks. I'm a happy camper!

I have been a client of Embrace for a number of years now, I have always had the best of experiences when having to work with them during difficult and emotional times. Just like human health insurance, you don't contact them just to say "Hi!," you contact them when there are issues. The agents and staff at Embrace are some of the nicest people that I have had the pleasure of doing business with. They are empathetic, quick to respond, and very helpful. The prices are reasonable too.

One of my cats was recently really sick and spent a few nights at the veterinary emergency room. I'm so grateful I chose to get Embrace Pet Insurance!! They have made an extremely stressful situation better by covering a lot of the financial burden. I will continue to use Embrace for all of my pets!

Dealing with Embrace has been the worst insurance experience ever. Even after providing all the information to obtain pet's records, they sent several emails saying they were unable to get records. After tests were ran to ensure my new kitten's health and no disease was found, they excluded major coverage. Since the policy was not meant to cover routine care, excluding major illness made the policy useless for my pet so I requested the policy be cancelled and a refund for the policy. They refused to refund any portion of the premium. I called several times but was not allowed to speak with anyone making coverage decisions or anyone in charge of the decision. I was told someone would review my request and then I received emails disallowing coverage. I would not recommend Embrace for any pet owner.

I have so far processed about three claims with Embrace and every time I got response within 3 business days. It also got directly deposited in my bank in a day. Very pleased with their service. Also the customer service reps are super friendly and very patient and courteous. Hope to get the same kind of gold service in the future too.

Embrace is the best pet insurance out there. Not only does Embrace provide excellent customer service, they also provide peace of mind during trying times with our pets. When we recently lost our beautiful boy, Becker, Embrace was there, answering questions and making sure the claims process was easily understood. I cannot recommend them highly enough. We will continue to use Embrace with our next little boy or girl pup.

I have had an excellent experience insuring my dog with Embrace. In reading some of the low reviews it seems some of the poor ratings are a result of confusion in setting up the policy. At start up, the pet parent decides on the deductible (out of pocket costs) that must be met prior to reimbursement, along with the percentage of reimbursement you are paid after you have met your deductible. As you select options in the program, you see the change in the premium according to what you choose. I found it very helpful. I have never had a delay in receiving a check. The only time a claim was stalled was due to an invoice I submitted that was not clear. Embrace reached out to my Vet who supplied them the information. It all worked very well. I love the Wellness money which is basically an HSA. I recently enrolled a second dog which gives me a discount for having 2 dogs on the plan. I am very satisfied and recommend the plan.

Thanks to Embrace, what could have been a wallet-draining experience was just a bump in the road. When two of our Shelties demolished a two-pound box of chocolate chip cookies, we didn’t hesitate to do everything possible to save them. Embrace covered the vet and the overnight stay in the ICU. Filing was easy, and the checks came fast! We recommend Embrace to all our friends.

The process was straight forward and the instructions were easy to follow. I much prefer using the online form, fast and convenient. I was kept up-to-date about the progress of my claim and received my reimbursement promptly. I highly recommend Embrace Pet Insurance.

#1 denial - a wasp sting exam and treatment Stated I needed to submit a pre-sting physical exam, which had nothing to do with the wasp sting emergency. #2 denial - A major broken back tooth extraction. Stated there was a pre-existing tartar condition prior to the policy commencement. This was not true. It seems like they try to find every way to deny a claim. I have found a plan with a different company with much better coverage and better explanations of their coverage.

I am new to buying pet insurance for my new puppy and my 3 year old Cavaliers. Once I signed up with Embrace, I could never get a clear answer out of anyone at the company as to whether or not my pets were labeled with pre-existing conditions that I would not know anything about until some future date when I had a claim. Their on line help is no help since it is a robot answering. The automated emails they send saying they are "evaluating the claim" is one delay after another. After two months of the "run around" I cancelled the insurance for both pets. Only to find out that they will not give a refund (even though I did not use their insurance at all) because the 30 day window was past. I feel I was "taken for a ride". I will be submitting a complaint to the Better Business Bureau.

Embrace has done nothing but deny my claims for my dog Morgan. I am trying to get more information as to the documentary support for their denials, but so far I have gotten nothing in response to numerous requests on different platforms. I fully understand preexisting conditions, but need more explanation than canned denials based on the same. At present, I would not recommend this pet insurer. I will update this review if I get more information and am satisfied with their efforts.

Never had any claims for my dog with this insurance, but just received a new premium with a 40% increase. Now, it is $60 per month instead of $42. Greedy bastards, taking the COVID and economy as an excuse.

I simply wished to understand all facets of insurance policies and programs, as well as the financial possibilities and wellness policy, and I got my answers clearly and kindly. So far I am very impressed and I am now enrolled.

Amazingly, after publishing multiple reviews about my experience yesterday, today I received confirmation of my claims being processed. I'll take it.

I got the insurance and soon after my cat got kidney disease. I was really saved a lot of money. All the workers were very kind. The payments were very quick to come into my account and I never had to wait long for customer service.

I have been very pleased with Embrace since I enrolled my rescue cat Jax in October 2022. Their website is easy to navigate and contains relevant information, including how to check on the status of a claim. They have answered my questions quickly and they processed my claim promptly.

Our little gobbler (aka, Fraizer the cutest dog in OldeTowne) required a second surgery for a small intestinal blockage in less than a year! Embrace covered both without a squawk. All we did was provide a detailed receipt, and they did the rest. We were reimbursed well before our credit card payment was due. We are retirees, so are mindful of costs, and Embrace is an absolute necessity. We chose a policy and deductible that suits our budget. We are so thankful for the peace of mind that Embrace gives us.

I would like to thank the staff of the company who helped me resolve issues with my pet's medical records, provided all the clarifications I needed and reimbursed my claims as quickly as possible. I see that these people really love pets and help take care of them.

My 4 year old pup was just diagnosed with cancer and I have to say that Embrace has processed my claims so quickly and kept me informed of the process the entire time. I cannot believe how quickly they sent me the check to help at this horrible time. I am extremely impressed of their professionalism and respect toward my girl. I already referred them to many.

Very much let down on allowance. The bill was $575.00. We received about 2 months of what we pay monthly. We are in process of looking into a proper insurance company. I don’t think we ever received the claim amount that was approved for Teddy.

I purchased a pet insurance policy for my cat, Hazel almost a year ago. I was so happy that I did because Hazel became unexpectedly ill on two occasions this past year which required emergency room visits. The hospital bills were very expensive but Embrace covered everything they said they would and processed the claims quickly. I would definitely recommend this company!

My cat Twinkle just got health insurance last Friday. Hannah explained the policy efficiently and answered all my questions. She gave me great quality advice on how to use my new pet insurance. She encouraged me to recommend it to my friends and family who have pets.

First time ever purchasing pet insurance and are so glad we did. Our bulldog had to have emergency ACL surgery at age three. We met our deductible and recovered 90% of the cost. Embrace made it very easy with claim remittance via online. It took about two+ weeks for the entire process. We will continue with Embrace Pet Insurance and recommend highly to everyone. Thank you Embrace for the fantastic service. Jim and Anne

Submitting a claim is easy and response is quick. My dog had to have surgery and my reimbursement with direct deposit took only a few days. I am grateful to have this insurance and it would have been a huge financial burden without this coverage.

I've had my boxer insured with Embrace Pet Insurance and I am so glad we are. Embrace has taken care of all our needs and claims promptly and efficiently. Cannot imagine not have pet insurance. We have both the Wellness and the Accident and Illness. Superb!!

I am a first time pet insurance client and am so happy that I chose Embrace. Their staff is knowledgeable, helpful, kind, compassionate, and patient with all my questions. Response time to inquiries is almost immediate. Filing a claim is so easy. The staff genuinely cares for the wellbeing of my fur baby. My fur baby and me are not just a policy number. I cannot praise Embrace enough. During illness/accident/injury of your fur baby, the last thing you want to worry about is insurance, but Embrace is always there to lend a hand and with a kind word. Kudos Embrace.

I purchased embrace insurance when I first got my kitten. He had an upper respiratory infection when I adopted him from the shelter, which gave my other cat pneumonia. 7 months later, he developed asthma for which he had to go to the emergency hospital because he couldn’t breathe. My original claim for his asthma was rejected because they said he had a cough from his URI when he was a kitten and so it was pre-existing. I appealed and THAT claim was rejected because they said they couldn’t be sure that his newest symptoms were from asthma, or if it was a URI and therefore pre-existing (as if a cold lasts for 7 months).

Unfortunately Embrace Insurance is not reliable. When you submit an insurance claim that should be covered, they argue that they need more paperwork or that the paperwork provided by the actual vet is not valid. I have been declined for both the claims I submitted and feel that I have wasted my money paying into this insurance. Although their customer service representative are professional and nice on the phone, they are useless. I would highly recommend looking into another pet insurance company because this one will just give you a headache and will not meet your expectations.

I had a dog who was insured for 15 years through another company. I now have a 3-year-old Brussels griffon and given reviews, I insured her through Embrace. My vet was having a discount on teeth cleaning. I asked if I should sign my dog up for this preventative dental cleaning. He hemmed and hawed and then said I probably should given her age and because she was a small dog. So I signed her up for that preventative dental procedure. I submitted the dental procedure bill to Embrace. Embrace reviewed the vet records. They then denied the claim saying my dog has a luxating patella...as well as "some" tartar.

Company is unable to process initial claim for our pet in less than 30 days with excuse of awaiting medical records. There was a gap of less than 2 months medical information from a completely different vet. I don’t believe there was a single visit to that vet at that time. Instead of sending repeat email requests for medical record pick up the phone like I did and the medical records were sent that same day. Additionally when we adopted a new pup this year we noticed that the policy available offered better coverage at a reduced rate. Company advised to switch our ~1 year old pup to the better plan, we’d have to wait again through same period as the newly acquired pet although our first pup had been covered by their company for nearly 1 year. Doesn’t make sense to reward new clients with better coverage especially when the pup in question had zero claims and was under coverage of your policy.

Having insured my dogs with Embrace has been one of the best decisions I have made in my life, they have perfectly covered each of my pets' medical events, especially my dog ​​Leo because he turned out to be an epileptic dog, they have been there attending to each of the emergencies. Embrace has been a blessing and a peace giver in the midst of all that having an epileptic dog entails.

Hallie was amazing. She was very kind, helpful, and knowledgeable. She answered every question I had and even helped with light tech support. I ended our call with so much peace of mind. I know how to file a claim when the time comes.

My dog has a couple of checkups and all done for some things that were not right with him. The staff were very helpful with getting things pre-approved and letting me know what to do. It has been a helpful insurance so far.

So I had my 1st claim for my dog. I will say I didn’t like hearing it could take up to 30 days because they pulled all of his records from the vet. I did appreciate being kept in on what steps they were on with the process. It was taking the vet I go to a minute to provide them with what they needed so I was able to see that & call myself & tell them to provide the information requested. Things moved quicker after that & it was approved. The second claim for the same illness was approved fast because they had all the info. So overall I was satisfied & was out of pocket only for about 3 weeks.

This loss was especially difficult given the age of our dog and the quick decline leading to our need to euthanize her. She was only 7 years old and we had her with us exactly 2 years to the day when we had to say goodbye. The claims representatives were very compassionate and helpful in explaining how to file my claim and what coverages we had. Once we submitted the necessary invoices, the claim was reviewed and we received the payments for this claim. In addition we received a lovely tribute sympathy card from the claims rep who we worked with. I will definitely return as a customer once we have adopted another Golden Retriever.

We waited the required waiting period while they reviewed our Pet's records. No information was enough. We sent all his records from the time we got him to his age now. Same vet. After the waiting period we were cleared and then we were not when we submitted a claim. They wanted more details on our pet. Why he’s shakes. Because he hated the car and we took him to vet see if we could calm him down. He just hates car rides. He had a cyst. Near his eye that was drained that was then permanently denied. He is a hypoallergenic dog and he rolled in grass and got itchy. Now it’s preexisting. Never covered. He was running for a ball and step in a hole. Muscle tenderness that’s it. Permanently denied. Save your money. Put it in an account for your pet. These people will hound you for information you can not provide to prove your dog has preexisting everything.

Not only am I pleased with a timely response for my claim. I am also very grateful that I could get insurance through another carrier. The previous carrier doubled my rate from the previous year, which made insurance for my pet unaffordable. I’m pleased to be doing business with Embrace, and look forward to many more Years.

Embrace covers everything Nationwide doesn't for our pets. Found out the hard way. Dobermans are prone to DCM (dilated cardiomyopathy). Guess what Virgina? That's one of the conditions Nationwide Pet Insurance excludes. (Ouch). I've learned the hard way. So do yourself a favor. Pet insurance costs. Not having it costs far more.

We are seniors living on a fixed income. We got the most acceptable affordable terms from Embrace. There's a lot of pet insurers out there but for the money, you will be hard-pressed to find coverage at a reasonable deduction rate. Covers every situation.

I am trying Pawprotect. I know there is a 2 day waiting period for accident coverage and a 14 day limit to getting medical records. I have sent everything medical exam and shot records. That was more than required. I got a cc email today asking the adoption organization I went through for medical records to help process my claim. I have not made a claim. I called them and asked what was going on. They said they were asking for medical exam records. I said, "I sent it, did you receive it?" They said yes. So I asked if I would still be waiting if my pup became ill. He said, "Yes. Pending review." I asked then would they have done the review automatically to confirm they had all I needed prior to a claim and he said no. That I would have still had to wait in the event of illness. I had to then ask were there any other delays. He said the orthopedic coverage is 6 months. I don't recall seeing that but I will look again.

The staff that I have felt with are knowledgeable, friendly, and courteous. When I have submitted a claim it was handled quickly and was sent a check (direct deposit) promptly. I do not know what else to say at this point except that I am truly satisfied with your company.

Horrible claims process and most of the customer service reps are not very informative or willing to give any pertinent information on my specific claims. I have only spoken to one friendly customer service representative as all the others seem to be upset that I'm bothering them with questions. I have two claims that are now over 30 days old and still have no resolution on the claim status. I work in the insurance industry and manage extensive home, auto, and personal liability claim scenarios continuously and have never had any claim take over 30 days to just get a simple claim status answer. I issued the policy due to the reviews I read online and now if I try to move coverage to another pet insurance company, I'm afraid and know certain illnesses will not be covered due to the pre-existing condition clause that is on ALL pet insurance policies. Maybe others have better luck with this company, so far, I have not.

Not only has Embrace lived up to all my expectations, but more importantly- they care! After 30+ years in having animals, I finally decided it was time to get pet insurance. I purchased both well care as well as sick/injury. 5-1/2 months later, our 12 year old dog got very sick and was hospitalized in the ICU for 5 days. Embrace covered everything they were supposed to from the hospitalization as well as her follow up care. Unfortunately, our sweet girl died a month later.

My dog became very ill and we almost lost her. The company and their employees was patient and sympathetic during her 2 plus years of recovery. I truly felt they understood the anxiety and grief I was going through thinking I may lose my beloved pet

My older pug had a few health issues recently and I appreciate these last two vet visits for Poppy being partially covered, and I appreciate the ease of filing a claim through Embrace. I think in future my vet may even be able to file for me!

Subsequent to having a billing issue with my credit card, I contacted Embrace, whereupon I was assisted by Jessie. Jessie was patient, pleasant, and resolved my issue in a professional manner. If all employees of Embrace are of the caliber of Jessie, this company is outstanding!

This company kept losing my paperwork that was sent in several times which put off my claim for several weeks. I am extremely dissatisfied! The last agent I got did an exceptional job! Her name was Cristen, I believe.

I had a very frustrating time with my adjuster for my account for my cat Ziggy. It was our first clain after having paid for nearly 2 years. I bought the insurance for Ziggy when I got him at 3 months old. Your adjuster kept asking for records that were non existent as he has been healthy since I signed him up. I presented his well check visit when I signed him up. I went in circles had to drive to Thrive and request copies of what you already had. I asked to speak to someone other than the adjuster after my 3rd go around. I was told there was no one I could speak to. I find this type of road block of communication very odd. Unfortunately I ended up losing my temper which got them to look at everything and realize they’ve had everything all along. I’m told in the future this won’t be an issue. Hopeful I won’t have health issue with my pets but if I do, looking forward to an easier process

When my puppy came home February 29, 2020 with us at 8 weeks old we purchased the health and wellness policy. They paid out on the first few routine visits then they stopped paying 04/10,2020. We took our puppy for a routine visit and he had diarrhea. Embrace kept saying they weren’t getting enough information from the veterinary office. I sent the detailed invoice they asked for and the veterinary office sent the detailed report but that still wasn’t enough information. This is still not paid. On 02/27/2023 we took the now 3 year old for shots and a mild ear infection and they are asking for records from before he was born and the reports again from the veterinary office and my invoice is not enough for them. I am paying over $90.00 per month for insurance on a dog that has not had any major injuries or illness. If they won’t pay for the routine is it’s I don’t believe they will pay if something serious happened. If I could give a zero star I would.

I have had flawless claims with Embrace. The customer service is impeccable, and turn around time is very fast. I am so happy to that Embrace has enabled me to care for my dog Chewie when she got sick. I never thought I would really need the insurance. Embrace has enabled me to get the best care when she needed it. Kudos to Embrace!

I submitted my invoice over a month ago and nothing has been approved. My dog is in good health but the insurance policy has a rule that they must have 1 year of records, which I have but the VET is slow to deliver and Embrace makes very little effort to chase these records down. Maybe in a perfect world, this is a good company but for a rural rancher with a small vet, it is not worth the headache. If they don't approve my submissions soon I'll just cancel it and tell everyone I know to not even try. Communication has been subpar.

Terrible experience and waste of money. Signed up right when we got our puppy. The claim process was long and drawn out and ultimately, they nickel and dime you and find any excuse to deny your claim.

Hello All, I hope this is useful. I feel like this is for young pets that you get started with early and start paying the premiums. Our 10 year border collie is in great health, per our veterinarian, blood of a 2 year old dog. However, we recently has some benign skin tags removed and teeth cleaned. In 2020 he had a benign skin tag removed and was noted in his charts. Also noted was dirty teeth. We sent in a claim to Embrace and was denied for removal of two more tumors and the teeth cleaning. Reasons for this denial was due to the reference in his charts for pre existing conditions. We escalated and applied for a second look and were still denied. If you have a young animal, this might be worth it, however, if your animal is older I would stay away from Embrace.

The claims process was easy and I received my money fairly quickly. When I had to call and speak to a representative because of a technical problem with the website, the person was very friendly and helpful. I would recommend Embrace Pet Insurance highly.

My 4 yr old Pitty mix was vomiting and unable to eat... 2 visits to my regular vet then went to an Emergency vet where they did surgery to remove a piece of toy she swallowed in her intestines which caused an obstruction. 3 weeks after surgery I received payment from Embrace covering 90%. Top notch company... so glad we decided to go with them!

The best pet insurance company. Super easy to file claims and receive money back. The last claim I put in only took four days to complete and to send the money back to me. I always get super fast responses and have had great customer service with them. Highly recommend this company. Thank you!

While dealing with Embrace, they have been very good in their reimbursements to me for my dog's care. I had to call one time, and Brittany was very helpful in answering my questions. I have not had a problem to date with them.

Dealing with Embrace is becoming more difficult. Embrace reaches out to my vet for records multiple times for most claims, claiming incomplete or "illegible" documents. If that is the case, then Embrace personnel are not properly receiving, recording, documenting and forwarding them to the adjust assigned to the claim. This creates frustration with the clinic in having to send the records repeatedly; and with me in having the decision and reimbursement delayed as a result of this carelessness. Adjuster should personally reach out and provide direct email or fax number to streamline the process.

I found the company appears to be dragging out resolving a claim, but when I called today the representative was helpful, patient and very professional. Hopefully all issues have been resolved. I am pleased with today's progress and I will remain a long-term customer so long as this matter is resolved properly.

My Golden experienced a serious rear leg and hip injury. We are still progressing through the treatment and Embrace has been quick in responding to our needs and reimbursing our cost as they occur. Reimbursement costs were paid out in about one week.

Embrace Pet Insurance has been very responsive to me during my needs of taking care of my 14 month old dog. He had fox tail up his nose which was removed by the veterinarian and later he was suspected to have a repeat of the fox tail but nothing was found. Both episodes were taken care of in a reasonable amount of time by Embrace Pet Insurance. I just renewed my insurance with them today.

This is the first time I've ever purchased pet insurance, and it sure paid off! Our dog unexpectedly required emergency/gastropexy surgery, and the submission process was seamless. I downloaded the necessary paperwork, Embrace informed me that it was in process, and they sent a check within a week for the insurance portion of the bill, no issues. My only recommendation for Embrace is if they would deal directly with the vet/hospital and have them submit everything to Embrace, as I learned other insurance companies do. Other than that, I'm very satisfied.

Embrace is a delight to work with. After years of having Embrace insurance, my beloved dog developed diabetes, which requires long term care and monitoring. Submitting claims is very easy, they respond quickly and send reimbursements directly to my bank account. I am very pleased with Embrace.

I had just begun this policy last Saturday when I adopted my first dog. The following Monday I had taken Kyra to her first vet visit where she received an excellent bill of health. Updating the claim online was extremely easy and more mindblowing was that it was processed within 48 hours and a reimbursement check was already sent. I was dumbfounded by the company's efficiency.

Embrace has nice friendly customer service people who answer quickly and show concern for your inquiries. The buck stops there. The waiting period for claims is awful and even worse is the loopholes. I find that after working in healthcare it’s just what insurances do, which is take your money and do all they can do to not pay for anything. They create all kinds of loopholes to get out of paying. My dog had to have a surgery that was almost $6000 on 2/14/23. The policy was purchased 7/14/22 and there were NO pre-existing conditions regarding his Feb surgery, but during their in depth 12 month pre policy chart review, they found that Prince had a limp on 10/22/22, 3 months AFTER the policy was purchased and not ANYTIME before the policy was purchased, but they still will not pay for the surgery that he had to have 7 months after being a member! OH, and because he NOW had a problem, they will NEVER pay for a joint issue!

My dog getting sick and not knowing at first what was causing it. Was stressful but your app made filing the claims easy and your response was fast, I have already recommended you to two friends who asked who I use. Ivy competes and keeping her in good shape is important. Going to Rally Nationals this year. Thankfully not till June.

I have an adult dog for which I purchased a policy for two years, from 2021 to 2023. I received several different and contradictory explanations as to what qualified as a preexisting condition for my dog even after asking for a comprehensive review of his file so that I could note what they had flagged as exclusions. I spent so much time calling and emailing about denied claims and appeals and was given short, conclusory explanations as to reasons for denial, even after providing documentation from my veterinarian addressing the purported reason for denial. This has been the most frustrating experience and I wasted money, time, and energy in a useless cycle of filing and appealing claims. I think it’s unconscionable to lie to and/or mislead your customers about exclusions. Deeply dissatisfied with this service and would never recommend to anyone.

I bought the policy and went online to complete the required info so I could download the required paperwork or the Vet. Wouldn't work so I contacted help line and wonderful lady named Diana came on and was epitome of what customer service should look like. She was most pleasant and help getting me squared away! Great Big Thank You, Diana!!!!

I signed up for Embrace to avoid paying thousands in the event of something happening to my dog. After over a year my dog started to get sick and her diagnosis was Cancer/Cushing's Disease. Embrace covered NOTHING for the numerous procedures we had to have done stating she had elevated liver levels prior to her diagnosis. My vet wrote an appeal letter and stated how those levels were barely over the limit and should not be held against us as they were not a cause for concern. They denied the claims again. I would not recommend Embrace to ANYONE. I paid almost $100 a month (I got more than the basic plan) for them to cover nothing and for me to cover all my dogs medical bills. The money I spend on their monthly services could have gone to her actual care instead. I would love to report them for their TERRIBLE services and customer care.

Embrace used to be an AWESOME pet insurance company. They covered basically everything. Their coverage has gotten steadily worse. And they are now excluding 5 minutes of every 60 minute rehab session because "massage" that is being done to identify the areas needing rehab care, is now excluded. So they pay for 55 minutes per hour. Not the remaining 5 minutes.

Stephanie was FANTASTIC!! She was very patient, knowledgeable and reassuring. She took her time and made sure I understood everything and all of my options. The patient care card just sealed the deal! It is a great benefit to be able to simply pay the vet with your card and be able to repay interest free while waiting for your claim to be reimbursed! Amazing company!!

Excellent experience. Prompt attention to claim and reimbursed, with no hustle, exactly what contracted for and expected. I was particularly pleased with ability to quickly reach a representative by phone. I will be happy to recommend Embrace to anyone seeking pet insurance.

Embrace will find anything to not pay you. They are no different from other insurance companies. They are tricksters and thieves in making think they care about your pets after you spent years of pay insurance.

This Embrace Insurance was the worst company I have dealt with. Not helpful. I feel they got my money every month and supplied no service. I had my vet write a appeal letter stating there’s no preexisting condition but got turned down again. I will be contacting my vet as well as others explaining my frustration with this company.

Our dog Phoebe needed to stay at the Emergency Vet hospital for 48 hours with significant testing and treatment once a diagnosis of Addison's Disease was made. This was an expensive 48 hours! Our refund came in under 2 weeks from submission!

The monthly premium is a well worth it investment for my pet's coverage. I can take my cat to the vet with confidence that her insurance will be applied. The claims process is SO EASY AND FAST now that it went digital!

Embrace inflicts outrageous premium renewal fees EVERY YEAR. I have had this insurance for 5 years and every year experience an astronomical increase in my premium. They send out the same garbage regarding the increase they send every year. My premium increased about $600.00 this year despite NO claims. When contacted they spew the same garbage they always do for the reason for the increase.

Experience was wonderful from the ER visit to the surgery. I would only suggest that you provide options other than a picture to upload vet bills. I tried for some time to upload a PDF statement the vet had emailed me as an attachment. I ended up having to print it out, take a picture and then upload it. It would seem file options would be a simple thing to add to your system.

My monthly payment will increase 1.5 times more soon. I started searching different insurance company. My dog just have physical exam twice a year and no major problem. I don’t get it why monthly payment goes up that high. Because he is reaching to deductible so plan has to pay me more reimbursement?

Embrace is very good, however, I find the deductible too bad, when you get insurance you assume it will cover and not have to wait till it is met, also when you get prescriptions you assume they are covered and do not have to be on the list. After all you pay for insurance so you just wish items would be covered.

My dog needed to have Cruciate Ligament (CCL) surgery. Submitting for reimbursement was very fast and easy. Submitting a claim online made the process extremely fast. I was able to upload all of my receipts. The funds were direct deposited into my account within a week.

Once again, I must go through the appeals process because the claims adjuster decided to deny my claim based on my 11 week old puppy vomiting when he drank too much water. This recent claim for my now 15 week old dog is for treatment after he vomited 8 times because he had an allergic reaction and needed to spend the night at the veterinarian for rehydration and medication.

It seems like no matter the claim, it is somehow related to prior conditions even if it’s not exactly the same. It’s like if it has the same word in it, they say it’s prior condition and it’s not covered. What’s the point of insurance if everything is denied?

My last claim exp. was awesome. I submitted and the turn around was very quick and exceeded my expectations. My initial one was not! I was really upset that because my pet was potentially born with a liver shunt which I was completely unaware of My claim was mostly declined.

Avoid Embrace at all costs. My dog was a rescue, and over the course of her life, I paid Embrace over $5000 in premiums and only had two claims approved, for a total reimbursement of around $400. Even worse, I was told after the fact that one claim was approved in error. The reasons for denying claims are extremely shaky -- their adjusters will look for any anomaly in the dog's medical history or bloodwork and use it as a blanket denial for all subsequent claims for the rest of the dog's life.

I find your policies of "keep everything we can and deny as much as possible" disgusting. I have been paying into my policy for several years and have not used it - shouldn't you reimburse this? I think you all should refund me every dollar for every year that this went untouched. I have been bilked thousands of dollars from you because you refused to accept the original medical forms. Two years ago, when my dog finally needed care, I got delay, after delay, and run around after around from you about your ** policies and you did not reimburse me. This year I had to beat the door down to start getting reimbursed for his medical expenses. I will NEVER recommend you. You are dishonest pirates that don't actually care about pets - you just care about making money. I am disgusted by you.

We initially join Embrace be they partner with USAA who usually does a good job screening partners. In this case, I have had nothing but bad experiences with Embrace. Prior to our two cats passing in 2019 and 2020, they fought us for every claim, so much I just gave up and kept the minimal insurance to cover our dog. I do not recommend them.

I want to start by saying I have been a customer with Embrace since 2007. Up until recently they have been an excellent insurance company to work with. When we first acquired insurance in 2007 we were getting two German Shepherd puppies. Embrace at the time was the only company that covered hereditary diseases and let you customize your coverage, and prices were reasonable. They were just starting out then and treated us like family. We purchased $10,000/year per dog. 90% coverage with $1,000.00 deductible.