They used to be super great prices were reasonable but suddenly $100 increase on one dog after my other dog passed away. The started punishing me for having used the insurance. They claim its new state writings but i call BS. My dog is 8 years old and insurance for just her is $200 a month. If i were you i would check with trupanion instead. I cant switch because my dog had pre existing conditions but if i could i would. I also will not ever use this company again for my cat or any other animal that becomes part of my family.

WhIle Embrace in general has been a decent insurance, a recent interaction has lowered my opinion. I was disputing the lack of coverage for a medical test. It was argued that the test was not covered due to pre-existing. However, the test in question can be used for several conditions, not just the one they are not covering. The agent continued to argue with me that it was not covered because of the pre-existing condition. I even asked if it would help if my vet provided more details as to why the test was run. The agent just continued to argue with me. Several emails later, he FINALLY offered a way to appeal. That offer should have been made when I first asked about providing additional information. Very poor interaction and bad customer service. Not what I have come to expect for Embrace.

Save your money, for what the premiums are and what they actually pay, you are better off putting that monthly premium aside to cover future care, you are going to have to pay it anyway, because the coverage is awful.

My labradoodle is 7 1/2 yrs old. And his premium doubled in price from last year to this year. Not very happy. Called Embrace and explained to them that this is a lot. They said because claims by everyone is being filed that we all take the hit. Not right. My other labradoodle uses another company. Premium is cheaper and her coverage is better than my dog on Embrace. There should be rules or laws about taking pet owners to the cleaners because others are filing claims. Why should I pay because of that. Won’t use them for any other pet because of this reason.

They were horrible, didn’t reimburse any of my vet bills because they said everything was pre-existing even though we never had any indication for my dogs bladder stones till I was well into my plan policy. I had three large vet bills and they didn’t want to reimburse a dime. My mistake for not reading the tons of negative reviews on Reddit for this company. Complete scam.

We adopted our dog on March 21. Since then we have paid almost $700 in monthly payments and the $250 deductible. This week, we received an email saying that a claims adjuster felt it might be "a good idea" to review Wilda's vet files. Lo and behold, he or she found two "pre-existing conditions." (I will take this up with our vet tomorrow or on the weekend.) Why did it take almost four months for Embrace to review files it got soon after we adopted Wilda Lilly? And after we had paid so much money? Now we are told that she will not receive possibly needed services... This is truly unprofessional. I am probably going to write to Embrace's CEO--as well as advising the medical director of our vet clinic to urge her staff of eight (going up when the clinic expands) to not recommend Embrace. My neighbor's dog is covered by TruPanion and has not experienced any issues like these...

Dont cover much not pleased with this company so far

I filed a claim a few weeks ago and got zero response

You could start by being more timely. and pay out more on priscriped medication for my pet for the last three submitted needs for my pet.

Denied my claim after multiple requests for information. All information requested was sent and then claim was denied without legitimate reason stating information was not received even though i PERSONALLY emailed everything to claims dept and on app. Sent SOAP, proof of coverage from previous insurance & doctors note for requested information.