I was paying a high premium each and every month for my two dogs and that is now increased up to $120 a month for both my dog. This is the second time I tried to use my insurance I’ll pay for something which is what you get insurance for in the first place. First time I was denied the second time now I only got less than half had to pay $250 deductible, which is crazy after all I pay each month.

It't a waste of money they never pay on any claims

Please don't believe what their page says!!

multiple claims denied that are covered. for every time you submit a claim you have to resend medical history for every single vet visit your pet has been to in the past, Why don't they keep that on file? Then they deny it. waiting on over $1000 in reimbursement for covered claims that they are denying.

Very poor reimbursement rate. Many exclusions. Submitted $315 for an annual visit with vaccines and 1 antibiotic, received $60 back. Did not accept initial adoption with vaccine invoice bc it was over 3 mo deadline. Terrible value for the cost.

Helpful, professional agent helped me to cover pets. Submitting claims is easy and paid in a reasonable amount of time.

Unfortunately, I find myself following in the same footsteps of many one-star reviews. Initially, I told everyone, who would listen, how happy I was with my Embrace Pet Insurance Policy. My policy started off at $47 per month and grew rapidly from there. By year seven, my policy with the same coverage, was $225 per month. By year eight, my monthly premium increased to $425 per month, that’s a 900% increase over the starting cost. Similarly, I was told it was because of my dog’s Breed and age. However, a quick price check with Embrace’s cost on-line tool, using the exact same parameters, zip code, age, breed and exact coverage (limits and deductibles) showed a $200 per month discrepancy. So clearly, I wasn’t being charged the going rate for my dog’s breed.

My understanding was that more would be paid by Trupanion. I was understanding that 90% meant 90%. And eas very surprised that of the $1100 charged I was responsible for over $700

This is a scam. Don’t buy into their bs.

Embrace is a scam - they keep your "wellness" contributions if you dont' use it within the fiscal year. The wellness savings is marketing as a savings plan for your pet, but they don't give customers any warning about using the funds timely. They claimed they give customers verbal notice only of it. They not have over $200 of my money that is just for their own pockets. Cancelled my insurance with them