Be prepared for significant increases year over year on premiums, and to fight, tooth and nail for reimbursement and processing of claims.

When I buy a new car and enroll it in insurance, it is effective immediately? Why am I going to underwriting for dog insurance?

Obscene amount of questions and zero knowledge about birds and why they go to the vet…and application STILL pending.

This process was not at all how it has been in the past. It took 18 days for the claim to process and when it was processed I got way less back than I had anticipated. I’m really not happy about the coverage and I am actively looking for different insurance options that will actually be straight forward about their process and apparently the limit they put on a claim.

Terrible service terrible job terrible all around as per usual I was proven right. Pet insurance is a scam.

you've asked me twice for my puppys medical history. I've provided it and you keep asking for records back to 1-1-25. He was born 1-31-2025 and i bought him when he was almost 5 months old. Right after that i took him for shots etc. That is his history

Scam! They tell you they reimburse a certain way, but when you file a claim, they don't cover anything you are paying premiums for. I pay for a 90% policy, but that is not how they processed our claims. High premiums compared to reimbursement. We are looking into new insurance. I would never recommend this company.

Shame you can’t adjust your annual. Only way you can is canceling and rewriting a new policy, but then anything during the past is considered pre-existing.

Recently, the service has really declined. I had to submit a couple of claims for my dogs this summer, and each time, the information was entered incorrectly by your staff. The claim was entered under the wrong dog, twice. A procedure was entered incorrectly. And trying to get it corrected is a real ordeal. I'm still in the process. I was told my claim was "escalated" for review, but that was weeks ago. Very disappointing.

Coverage was horrible for the price paid. The prorated premium was not returned. Hey, Embrace, what will you guys be using my unused premiums for? Hope you have fun at your employee party! You guys are thieves!!