Premiums on 2 young dogs went up over $100 yr. Started at $120/mo, in 3 yrs it is over $300/mo, NO CLAIMS! Thieves, run away!!!

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.

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.

Stated benefits before signing up were not honored after signing up. 1st claim was not reimbursed in full.

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.

Not enough diagnosis options for the claim.

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.

Reply from MetLife Pet Insurance

I'm a disabled veteran that only used Embrace because USAA endorses it. These people refused to process the claim to put my service dog to rest. It was her 3rd claim ever. This company gladly took tens of thousands of dollars from me over years with no claims then refused to acknowledge or even process the 3rd and final claim that would have resulted in a few hundred bucks of reimbursement. I would never in a million years send another dime to this company or refer them business.

They increased my dogs insurance by $75 per month. Nothing happened to my dog to justify the increase They refused to pay for a routine vaccine/wellness check. I feel they haven't been fair, my dog is older but very healthy.