Denied claims for being a prior condition when there was no diagnosis prior to insurance being purchased Was not given the oppertunity to appeal or explain the claim.

Paid for the extra Wellness coverage, and the limit did not come close to covering my cat’s neuter. I thought I was buying the most complete policy, but instead they classified my cat’s pre-neuter visit as a wellness exam. Even before this, they stopped issuing the point of sale credit card I had used to pay at the vet office, so that now the only option for credit for veterinary care at the clinic is Care Credit. There has been a series of disappointments for me with this company, such as when they automatically renewed my policy and charged my debit card for $600 without my knowledge or any notification. I was really counting on getting reimbursed for kitty’s procedure. I will definitely be exploring other options such as USAA or Costco after this latest disappointment.

After reaching out several times with a question regarding a claim, I received no response from customer service.

Claims adjuster JH provided horrible customer service. I have no active claims with Embrace but was going through an appeal on pre-med history review with claims adjuster JH. I challenged her on how she could take an opposing view than my vet with over 30 years' experience with only having a few years vet tech experience. She promptly ended the phone call and now Embrace will not take my phone calls. In my opinion and my advice to others is that if you have a claim or appeal request that it not be handled by JH.

Beware! Embrace and Fraud Are Synonyms – Stay Away from This Company I have never written a negative review before. Typically, when I encounter a bad experience, I try to resolve it directly and find an amicable solution. However, that was impossible with Embrace. I purchased a policy for my yellow lab—my child—a few months ago and followed every rule in their book to ensure that, if and when I needed to file a claim, it would be handled fairly, ethically, and professionally. I submitted all required medical records dating back to 2023, completed orthopedic examinations, and even called to confirm the absence of pre-existing conditions. I did everything right. Yet, when I submitted my very first claim—for a simple case of diarrhea—it was denied. Embrace falsely linked it to an isolated, one-time incident of hypersalivation, which was completely unrelated. Their process is designed to delay, deflect, and deny rather than support their customers. This company operates unethically, immorally, and, in my opinion, engages in deceptive business practices. Embrace is a fraud—stay far away! Update: Embrace has labeled a single, isolated instance of hypersalivation from March 2024 as a “pre-existing condition.” This one-off occurrence, which has never happened again, was linked to my claim for vomiting and diarrhea—yet they deemed it pre-existing. If this isn’t fraudulent, unethical, and morally wrong, I don’t know what is. Stay away from Embrace, folks—you’ll thank me later.

I have seen that the claim has been processed, but I have not received the payment yet. Also, when requesting additional information it would be nice to know why the request is being made. After 3 requests, I finally called and the customer representative was very nice in explaining why the 3 different requests for the medical records.

There was no indication before binding that there was a two week underwriting review before an effective date is given. No other pet insurance carrier does that and it seems over the top for this line of business.

We purchased our French mastif 3 1/2 yrs ago. We called Trupanion and took out a policy for 123 a month, a few years later it went up to 133 a month, we just got a notice that this month will be 167 a month. We’ve never filed a claim and she’s almost 4 yrs old. We were told when we took out the policy that it would never increase the amount. Hopefully my dog will stay healthy, but there are thousands of dollars invested with no return. Not sure about this pet insurance!

Submitted 2 wellness claims. Both repeatedly denied. Claimed invoices not paid. Not true. Submitted incorrectly. Not true. Reps were rude and dismissive. Have called 5x. Obviously reps are unable to properly do their jobs. Fetch was recommended by SPCA. I'm beyond disappointed. Will be calling SPCA. They should be affiliated with a reputable company

I feel like the max amounts that are covered for things like dentals and spays are extremely low, especially for a policy that’s $38 a month.