Screw embrace. They use any excuse possible to deny coverage due to pre-existing conditions, even when the vet says in writing that the issue the pet is having is not related to that condition.

Haven't received any reimbursement in the mail and I have been in contact with their support line and still haven't received any on my end.

I am extremely disappointed with the handling of my pet insurance claim. My dog, oscar recently suffered an ACL tear, which I was informed by a customer service representative would be covered. However, despite submitting all the necessary medical records from 2023, my claim was denied because of a previous ACL tear in 2021. This decision is frustrating, especially given the assurances I received from your staff when I initially called. The information provided to me earlier did not align with the final decision, and I feel that the denial of my claim is unfair and does not reflect the coverage I was promised. It’s disheartening to deal with such inconsistencies when I was simply trying to provide the best care for my dog. I hope the company will take this feedback seriously and reconsider the way it handles claims like mine in the future.

I signed up for pet insurance with Embrace many years ago. Since then I submitted one invoice for $880 and received less than $200 back as most of the things that were diagnosed on the invoice was not covered. I have been paying $190 every month and this month the price went up to $410!!!! Are they giving me anything more for this exorbitant increase?? NO. When I called the company to find out about the doubling of the monthly rate, I could barely understand the representative as her accent was so strong I had to ask her to constantly repeat herself. Then, respectfully I had to ask her to connect me with someone else. Are they sourcing their customer service department out of the country to save money??

Awful. They cover very very little and there are a large number of loopholes they use to deny your claim. Don't be a sucker like me.. they have extracted approximately $14k from me over the life of my dog maybe covering $50 here or there on bills if they were over $800.. recently I had a bill over $5k and they covered less than $800 of it. Waste of money and this company is a scam designed to keep their hand in your pocket and they will not come through if you pet gets really sick. Then they have a cust9mer service apologize and act sorry but themselves the rules .. and it's too bad .. you are welcome to cancel any time you choose but we will be sorry to see you go... (translation tough cookies! We got your money already!)

AKC Pet Insurance denied all claims related to the condition that led to my dog's death (bowel obstruction) because they had paid me $10 for when I took him to the vet when he was vomiting a few months ago. The vet took X-rays at that time and found no obstruction. Their customer service representative provided no recourse and left me with over $10,000 of bills for a very traumatic experience that ended in my beloved young dog's death. They claim that they cannot revise the previous claim because it has been "finalized."

All the issues related to my dog's post surgery complications haven't been covered and whoever does the claim adjustment doesn't give details as to why to understand.

Diagnosis field very limited. When filing the claim the diagnosis field almost tries to point you towards conditions that they can then exclude. My Vet has said that Embrace is one of the most difficult pet insurance companies to work with. It is almost like after they have your premium they work very hard to deny a claim. We will not be renewing!

DO NOT sign up with this pet insurance policy company. They have denied my dog coverage of a cardiac condition he developed as a result of his advanced age - 17 - claiming that it is excluded as a “congenital” disease. My vet wrote a letter in support explaining that my dog contracted mitral valve disease due to age-related circumstances and that it was never an issue before this, that no records in any exam indicated any cardiac issues in the past 16 years. Still, they denied coverage making this bogus claim. I’ve been a customer for 17 years and have paid well over thousands of dollars through the years, just for them to deny this??? My dog has hardly ever been ill before this incident. I am appalled at this company and would STRONGLY advise you to look elsewhere for your pet’s health insurance needs.

Trying to jump thru hoops to get the advertized $25.00 Amazon gift card. Two agents told me to call Amazon!!! What a rip off! Still no gift card!