The Embrace program, benefits and costs were remarkable! Trying to get the vet notes, medical records, and claims over to the review people were terrible! No one would make it easy to get the records to them, therefore they don't have to pay any claims! The vet emailed, faxed, and called but Embrace said they have no records that any of that occurred. I emailed twice and called 3 times and they said they didn't have records of those either. Finally talked with the salesperson that had us email her directly and she took care of the problem. The email addresses and fax numbers were correct and she couldn't figure out why the computer wouldn't accept the previous attempts. I quit Embrace after that! I do not recommend this company! It took one month and a lot of hassel to resolve this issue.

This company is a scam. They take your money and refuse to cover anything. We have had all our claims denied. While they will give a pretty answer the result is you getting screwed over and they walk away with a smile! They are dishonest about the waiting period upon when you purchase the policy and it's definitely set up as a "gotcha" policy. Heads up to if they claimed they haven't received your forms for a claim submission its a sign that aren't wanting to pay out. Plus they will change the waiting periods after they find " Pre existing conditions" and use it to not pay any claims. They need to be investigated especially for taking advantage of honest pet owners who want to provide the the opportunity to give their pets vet care. How horrible?!?! All those policy holders who believe they are covered when they arent and find themselves out a few thousand while having to deal with some narcissist cracking a fake smile!

If I would leave this review when I first started using Dutch, I would’ve given it four stars. The vets that I was seeing were awesome, kind and very knowledgeable. jumping to currently, Dutch has gone downhill. I had to pay to get a prescription transferred to my local Costco. The five dollars wasn’t a problem. The fact that it took almost 6 weeks to get it sent over after I paid, I also requested the prescription be chewable and it wasn’t. When I contacted the help line, they stated that since I had one filled I had to go through the whole process of messaging the veterinarian and scheduling another appointment to get it changed. After I complained about this, I went to the website to see if it was corrected, and my membership was canceled. The way this business is run makes me take pause on the care of my fur family.

Starting the process was easy however I kept receiving an error message in the diagnosis section. I was trying to write what was on the paperwork I receive from the vet.

Poor feedback

Web site navigation to items covered and items excluded is difficult. Exclusion lists have sub pages that do not complete rendering and leave bottom half of page not accessible.

This company does not know the true cost of anything they are supposedly insuring. For example, the $1,200 dental procedure . . . paid out $190. Or his $300 flea/tick/heartworm meds paid out $150. I should be grateful that they even paid anything, I suppose. They deny claims left and right based on facts that are not true; for example, my dog was never diagnosed officially with allergies, but because I asked my vet ONCE and TWO YEARS before a claim I filed for an ear infection, they denied the claim for the antibiotics to fix the infection on the grounds that allergies caused the infection and therefore it was a pre-existing condition.

This is worse pet insurance you ever can get be aware the make a problem for everything plus you have to pay in front of your packet after that they don’t pay you back make a problem ! I will never get something like this i cancel the policy right away very bad company!

Just like any other insurance company out there. “We‘ll cover the small stuff.”. God forbid your furbaby gets a rare disease like ours did. They just went “Sorry! It’s now not covered by our policy!”

Beware of Duplicate Billing and Unresponsive Support