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

I paid for the services because my dog has anxiety and all they could do was offer me one medication and tell me he needs a behavioralist, I would have gotten more out of my money taking him to an actual veterinarian.

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.

Your pricing definitely wasn’t clear and your customer support wasn’t helpful. We had an emergency and expected a lot more of you and only saved a small portion. It’s not worth the premiums I pay every month.

You need to be very cautious when signing up with this company. I canceled my policy seven months ago, but unfortunately, they have continued to charge my bank account all this time. I only noticed today. Even though it’s partly my fault for not keeping better track, I called the company back and they told me they have no record of my cancellation.

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.

I submitted an initial claim by email on July 15th for two visits. Their website says most claims are processed with 5-10 day with some taking longer. After about 10 days I received word that some of the documentation was unreadable so I resubmitted using the documents using their app. On July 29th I submitted A 2ND CLAIM for additional expenses through email. Checking their website I saw that all the documents have now been lumped into ONE CLAIM. This was confirmed by the customer rep I spoke with. She additionally said that I could be waiting for 30 days for payment of the TWO claims. Their processing time is not what they say and has been getting long through the years.

Buyer Beware!!!

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.

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...