Impersonal online application with no policy coverage options explained or follow up call from an agent. Will try this out for the year.

My premium went up 40% this year. No claims, no interaction with embrace. Sure, my dog’s a year older but 40%. Not happy. Stay away!!!

This policy was supposedly a VIP policy for costco members. They could not correct the address. Two phone calls placed to customer service resulted in wait times for over 8 minutes each. Hold times for info another 10 plus minutes. Received several emails asking for records and a waiver that would cost money for an office visit. This is probably the worst member deal at Costco. I have cancelled this policy by day 5. The representative would not refund the $15 enrollment fee. I could only imagine how awful the service would be after the 30 day mark. Shop around.

I am writing, yet again, to express my growing frustration and disappointment regarding a recurring issue with my monthly claims—an issue that has persisted for nearly three years without resolution. Despite providing clear, written documentation from my veterinarian—filed with my account—stating that both of my dogs require AGE every month, your team continues to process these claims incorrectly. I submit this documentation with every invoice and even highlight the AGE section to eliminate any possibility of confusion, yet the same mistake occurs month after month. This repeated failure is inexcusable. It demonstrates either a serious lack of training within your claims department or a complete breakdown in internal processes. I have been given the same tired explanations for years: new staff, understaffing, account flags being “missed,” system issues. At this point, those excuses are not only insufficient—they are insulting. Three years is more than enough time to identify the problem and implement a permanent fix. Your service is failing to meet even the most basic standards of accuracy and accountability. As a paying customer, I expect consistency, reliability, and professionalism. What I am receiving instead is systemic incompetence and indifference. Were it not for the restrictions posed by pre-existing condition exclusions, I would have moved on long ago. Sadly, I am effectively trapped in a relationship with a provider that repeatedly demonstrates it cannot meet its obligations. I am formally requesting that this issue be escalated to a senior-level decision-maker with the authority and competence to implement a systemic resolution. I should not be forced to waste my time each month correcting the same preventable error. This is wholly unacceptable and deeply disrespectful of my time, my effort, and my loyalty as a long-term customer. Furthermore, I find it entirely inappropriate to be told that I must contact your office *again* when this issue has already been flagged multiple times. If resolution is truly a priority, the responsibility should be on *you* to contact *me*—not the other way around. I expect a prompt and thorough response to this message, along with confirmation that meaningful corrective action is being taken. Enough is enough.

I don’t like that your employees can’t tell me if my pet’s procedure will be covered or not. Especially when my vet gives me an entire breakdown of everything needed to be done.

This company stalked this review and attempted to get my personal information. I say dont like what u see, be better. Dont silence your victims. The pettiness of a billion dollar company. And they edit their reply daily lol. This is spot pet insurance. I find that this spot pet insurance company will chase down negative reviews and then accuse whatever company including trustpilot of defamation if they keep honest negative reviews, even though it's completely legit and even if u remind them of 1st amendment rights. This company failed to process completely legitimate claims on a brand new puppy and then jerked me around and refused to speak to me. I had to get the BBB involved. They were extremely difficult and dishonest.

Increased policy by a couple thousand every year on top of the $400 deductible that doesn’t cover preventative care, dental, etc. They want over 8k this year & once a dog is 16 they have preexisting conditions other companies won’t cover - so embrace takes advantage of that.

My 5 year old staffy was dying of lymphoma, I put in a claim for all the test he needed, it took them a month to stop asking me for the same documents over and over, then my dog died, they denied my claim saying i didnt have that coverage, when I promise you, I did have it

I will be filing a complaint with the BBB, we have been a customer for about 10 years, with no lapse of coverage or ever exceeding what we have paid. Embrace has increased our premium over 100% to almost $500 a month. When I called them they said it happens to everyone. My dogs have been somewhat healthy, we have been loyal and they increase our premium to bully us out of our already minimal coverage. This company is sad, when you need your coverage they will take advantage of you. Word of advice don’t give them money, put what you would pay monthly aside and hope you don’t exceed that.

New member, first claim, but it's been over 10 days and I have heard noting about my claim. I also have no way to upload banking info for ach transfer. We will see how this goes.