They advertise no wait time for covering a pets general checkup at least in Washington State, and they in fact do not cover them.

So far, every claim we have submitted has been denied. Claims have even been deleted for no reason. Very unhappy with the service. I only gave it two stars because they respond quickly, just never with what you want to hear. It seems like nothing is ever covered.

Very slow claim processing

Disappointed After 16 Years – Outrageous Premium Hike I’ve been a loyal Embrace Pet Insurance customer for 16 years, insuring six different animals through them. Over that time, I rarely used the insurance for my cats, but I paid consistently, trusting they’d be there when I needed them. That trust is now completely broken. Out of nowhere, they’ve raised my monthly premium from $237.46 to $478.99. That’s more than double. Their only suggestion? Lower the coverage on my 16-year-old cats. Seriously? After all these years of loyalty and minimal claims, this is how they treat longtime customers? I’ve never experienced anything like this before, even with pets that have aged or passed. It feels like a cash grab, and it’s unacceptable. I’m pulling my remaining pet, Shiloh, off their policy immediately. I refuse to go through this again as he gets older. I’ll be switching providers and removing any positive reviews I’ve left in the past. If you’re considering Embrace, think twice. Update to their response: Since I can't reply to Embrace. Their suggestion of changing parameters does not help my aging cats or coverage. I've barely had any claims, and they have never raised my premiums with my other older animals, who are now passed. This increase is over 100%. Basically, they are telling me to raise my deductible and lower my coverage to get lower monthly fees, after paying them for 16 years. The cats went from 15 to 16. It's not like they just got old.

Your website continuously had issues of not working and stating try again later. I assume this is your way of slowing down the submission of claims since you very rarely process any claims at 10 days or less.

I don’t feel like they pay what they advertise

The app is not user friendly. Its very hard to use and isn't intuitive. Also a quick reference as to what's covered would be helpful. Also idk why my premium is going up this year....

I bought the insurance online to cover my young dog specifically for his neutering. Purchased well in advance to find out it isn't covered. I was not able to submit the claim and discovered this after speaking with someone. They were not able to help. I paid for the insurance in full. It seems the company should have provided some solutions to help me resolve this. I will be moving to another insurance company for my five dogs. I have never had a problem with dog insurances in the past with previous pets.

1-YOUR PLAN IS NOT ACCEPTED AS A PAYMENT OPTION WHEN CHECKING OUT AT THE,VETERINARIAN. 2.TAKES TOO MUCH TIME , 3-5 DAYS , IN APPROVE A REIMBURSEMENT. WE ARE IN THE XXI CENTURY . 3- TRUPANION DID NOT COVER THE ENTIRE INVOICE, TOO MANY DEDUCTIONS IN A SMALL INVOICE. 4 WHEN YOU JOIN A PET HEALTH PLAN, YOU ARE LOOKING FOR A HIGH STANDARD SATISFACTION COVERAGE. IT MAKE NOSENCE TO .PAY A MONTHLY FEE FOR A COVERAGE THAT ONLY COVER A FRACTION OF THE COSTS. IT MAKE MORE SENCE TO OPEN A BANK ACCOUNT FOR THE PET EXPENSES AND DEPOSIT THE MONTHLY FEE ,,, I HAVE BEEN WORKING FOR THE CHEM - PHARMA INDUSTRY FOR OVER 40 YEARS AND I KNOW WHAT CUSTOMER SATISFACTION SERVICE IS, AND WHAT CLIENTS ESPECT FROM US. ITS Frustrating THAT YOU SPEND OVER A WEEK LOOKING INTO EACH INVOICE JUST TO SHORT PAY IT. We espect a more complete coverage and support, If you need to increase the cost of your coverage just to cover full invoices , that could be acceptable, but having a “short payment coverage” is not what pet lovers are looking for,,,

Don't bother unless you can afford for your rates to go up every single year. This year they raised my rate $20 for no good reason but because my boy is year older making him 4 yrs old. Total scam like every other insurance company. I have a $500 deductible so I never use the coverage anyway. All out of pocket and rates still go up. What a joke!!! I will be canceling.