Your timely response to complete claims is awful!!!!! Says 5-10 days, it might wait a month!!!!! To get my money back and every time I submit a claim it duplicates it, and then you all are so confused that you can't figure it out!!! Your system sucks!!!!!

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.

very slow payments and sometimes wrong (lesser) reimbursement amounts if even by few dollars it makes a difference. Payment increases not good.

Miserable reliability of website as well as poor conveyance of actual account information.

Well I don’t know what to think because for one thing I can’t get in my app every time I try to login in it tell me that’s is not the right password and I have changed it more than once. I have not heard about getting in my money back on the kodys vet bill So I really don’t know how to rate anything.

I very disappointed in this company my one year old English bulldog ended up with aspiration pneumonia and was very sick . We took him to an animal hospital because he started vomiting on a Sunday and his vet office was closed. They kepted telling us how Expensive the bill was going to be we understood all of that told them he had insurance they were happy to know that. He had one overnight stay and had to be in an oxygen box to help with his breathing. We found comfort in knowing we had him on insurance when this happened only when I submitted everything and it was denied for us to get anything back. We was going to renew his policy but not after finding out that won't cover any of this bill!!! Update I have called them very Frustrated wondering why and the lady informed me that they needed a an invoice of every single thing and was charged. Well that was the one thing I didn't have so then I had to call the animal hospital and they sent it email to me and I emailed that to them have yet to hear if they're going to do anything with that since they claimed that was the reason they denied our claim.

Takes too long!!

I have 2 pets covered by Embrace Health Insurance and it seems like no matter what the issue is, they find a reason not to pay. I never had problems like this with my previous pet insurance company. For example, my dog injured her knee from wear and tear over time because she's extremely active and when she developed a limp, I took her into the vet. Embrace refused to pay claiming it is a skeletal disorder, which is not covered during the 6-month waiting period. When I pointed out this an injury, not a widespread disorder, I was told I need to specify a specific incident/accident that caused the injury if I expected them to pay. It has been a rinse repeat for virtually every claim I turn in for both dogs. I highly recommend you look elsewhere if you want to get your money's worth.

Would give 0 stars if I could. Said they would ‘investigate’ pre existing conditions against the insurance - no problem with that it’s normal procedure. They emailed me multiple times with the same questions and I sent the same response back. They then sent me a long list of things my dog can’t be covered for but he has never ever been treated for these and the dates of the supposed vet visits for the ‘pre existing conditions’ were before my dog was even born LOL. Don’t bother.

I’m learning the hard way that this is the pet insurance company that I should have bypassed for another. They were promoted, or affiliated with USAA which has all of my insurance policies, so I went with them. This is your typical “first option is to deny” insurance companies that they are so famous for. We had to take our French Bulldog to an emergency vet because he vomited and inhaled some of it and could have caused pneumonia. Our dog has a pre-existing condition for “noisy breathing” whatever that is? He’s a frenchie, they snort. Otherwise he’s a healthy dog. However, since aspirating some of his vomit affected his lungs (not sure how that wouldn’t) they denied our illness claim. So since an illness touched his lungs, it’s not covered even though his breathing didn’t cause the illness. Hypothetically, If a large dog bit my dog in the chest and punctured one of his lungs, I’m pretty sure Embrace would deny that claim, as they would claim that his “noisy breathing” played a roll in that injury. I am beside myself and will be shopping for insurance with another company.