Please don’t use this company.

There rates start out good when your dog is young healthy, then watch out it goes crazy high there plan is to get you to reduce your reimburstment and up your deductible. I have put in as few claims maybe most I got from them 5000 or 6000 in 10 years Ive been paying more out of pocket then putting in claims to keep his cost down but just now they raises in back to 279 plus my 1000 deductible I have a 70% reimburstment had to lower it to 50% stay away

If I could give zero stars I would. They denied every claim stating they were pre existing conditions and I have proof from the vet that they are not and they still will not reimburse. Filed a complaint with the BBB. I wish I had never purchased this insurance. I had Nationwide previously with another dog and they were wonderful. I was really disappointed because I had heard such great things about this company on social media should have just stuck to what I knew.

It used to be quite a good pet health insurance. But lately they’ve gotten a lot slower with processing time and adding more roadblocks in having claims approved.

Dont cover much not pleased with this company so far

Filing the claim was easy & fast. Our account now has upper limit for reimbursement. This claim was for >$9,000 to cover tests that diagnosed Chumley with terminal pancreatic cancer. I believe Embrace will reimburse us the balance of his available coverage, about $400. We will have to rethink renewing our Embrace Insurance.

This is an absolutely horrid company !!! Stay AWAY! They cannot write prescriptions, they will tell you that you have to make an appointment with a vet in their network, within your area, good luck finding a in-network vet in your area for your needs. My cat has a wound, the vets in my area were for orthopedic and animal eye care ONLY! Defeated the entire purpose of paying them any money at all!!! Also, it’s going to very difficult to cancel your subscription. Be prepared!

My husband paid them for over two years and when he actually had an event they used every excuse not to pay him even though his event was covered. They are scammers! Even when we proved they were wrong, they would come up with another reason. Donot use this unaccredited company!

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

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...