Price is competitive against other quotes I shopped for. Wellness plan seems like a great deal. Ultimately I didn't purchase. I asked Embrace to review/advise if a particular matter would be deemed pre-existing or not, I also provided up to date medical records from my Vet to support the request. Their stance was they would not review medical records to advise on coverage until after I buy and wait for the 14 day waiting period. I get that things can come up between date of purchase and day 14, but my question was just as of today can you tell me if "X" would be considered pre-existing, based on the current records.

I have had Embrace on all my dogs for over a decade. Sadly, it is time to say goodbye. Two premium hikes in a row make it unacceptable at this point. A 35%, over $1200 increase this year alone, plus the steep increase from last year puts my two pets at over $4000 a year, that is what I pay for homeowners insurance and certainly have a lot more coverage than $10,000 per pet. They have covered my dogs well for the most part, always some reason not to pay a claim but all in all have been good and fair in the coverage department. I just cannot stomach the high price any longer. I can stick that 4K in an investment and roll the dice at this point. I have researched other companies, one of the dogs I can switch, because he has no pre-existing conditions where they could deny a claim. Not so much for my senior citizen, she is stuck and I will have to reduce coverage percentage and increase the deductible to the maximum and see where it ends up before I cancel. That is all I can do, but it just doesn't make monetary sense to pay for a policy that costs a quarter of what the coverage is per year. They told me I can adjust the amounts of coverage online, but that is not the case. Only way I can see the numbers is to call them and go through it, when I asked for an email of the breakdown and options/cost of different levels of coverage that seemed to be a heavy lift for them. It is no longer worth the price. I paid them way more in premiums over the lifetime than they have paid in claims. That is for sure, only help it has been is not having to make the tough decision to put a pet down because you couldn't afford the procedures needed at that particular time. Now, I will just wait and see what happens and put it on a credit card if necessary. 11/26 Reply from Embrace. Apparently, they didn't pay attention to what I had to say. I already spent the time and energy and was not provided the information I requested. What more needs to be said. I feel they just want me to go away because I have a dog that is 13 years old and now it is time for them to start paying. Even though they have collected premiums for those 13 years she is now just a high risk. I know insurance and actuarial calculations, the fees are just too much for what you get. Plain and simple. The rent is too damn high!!

Negative Review on Embrace Pet Insurance I’m deeply disappointed with the treatment I received from Embrace Pet Insurance agent "Nick" from TN when I first called in regarding the cancellation of my dog’s policy. After being told four different reasons from four different people after the initial call with "Nick" from TN why my pet’s insurance couldn’t be reinstated, I’m left feeling frustrated and misled. Here’s what happened: 1. Contradictory Reasons: I was told my dog’s age (over 4 years) disqualified me under California state law and insurance board regulations. Then I was told I couldn’t reinstate because I responded two days after the policy was canceled and couldn’t pay the past due amount for this month. None of this was clearly explained or consistent. 2. Misleading Information on Their App: My app showed my next payment wasn’t due until the second week of December. When I brought this up, the rep told me the app’s information is “not current” and that I need to check online for accurate details. Seriously? Why have an app if the data isn’t reliable and runs currently with the website? I advised them I have a screen shot of the statement before the app locked me out but they did not want to address that. 3. No Accountability: When I pointed out the discrepancy, there was zero accountability. Instead of addressing their shortfalls, they shifted the conversation and dodged responsibility. 4. Lack of Compassion: I explained that my email was hacked, my bank accounts compromised, and I had to reset all my payment information with my creditors. Every other company I dealt with was understanding and helped resolve the issue—except Embracer "Nick". Embrace refused to work with me, even though I was only one day late due to circumstances beyond my control due to hacking of my personal and financial information. This lack of customer care and their unwillingness to help resolve an issue caused by inaccurate information on their part is unacceptable. I would not recommend anyone, especially those with USAA, to use Embrace Pet Insurance. Their rigid policies, poor communication, and lack of empathy for customers are shocking. Save yourself the frustration and look elsewhere for pet insurance.

Billing is more complicated than it needs to be and you need to get your claims submitted in a timely fashion or they are denied. My life is busy enough without having to add this hassle. I would much rather collect my bills for the year and submit them once. Not impressed.

1st time using embrace so we’ll wait for the outcome. All was easy and simple as far as filling the forms that were needed. Hope all goes well, thank you Embrace.

I will change my insurance co. As soon as possible. This company is way too expensive. And my coverage is so poor. Hard to believe it would not pay for wound care ointment for a dog attack injury on my pup. I don’t have the time/energy to fight it. Let alone I need to contact the e/r doc that worked on my pup. Good luck with that. Been a customer for 6 years and will bail asap

On the fence. My baby takes allergy medicine because he gets itchy. Embrace predetermined this as a pre- existing condition . Which means they will not cover his medication, whatever I knew that going in. However he came down with a double ear infection last week and they would not cover because they attributed it to his dermatitis. Ridiculous my vet said it was bacteria in his ears has nothing to do with his allergies. For the premiums I pay, this is blatant looking for excuses not to pay. I’m going to be looking at other insurance companies to see if I want to stay with embrace. The stretch between dermatitis and ear infections is just ridiculous.

They denied all of my claims for absurd reason. Fraud company! If I could zero stars, I would.

I'm not happy less then year I been ask them to change my pay period at the end of the month because that when i get pay.they told me they can do that so they say they take my money out 28 every month i say ok .if i didn't check my my bank account realized they took out my money on the 25 nov 2024 i wasn't very happy it seem there are taken advantage of me so i cancel my policy and i went searching for another pet insurance found one that understands me and my money this company allows to my money on the day i get pay that is end of the month and im so happy with this new pet insurance company they listen to my concerns and my money.

Terrible policy don't be fooled as other reviews have mentioned. I thought it would be the best pet insurance co because they are connected to USAA. They are not! I have only had my policy one year NO CLAIMS. They raided my monthly payment from $72 to $135. NOT ACCEPTABLE. I could have gone with a different company but I didn't because of the USAA connection. Not sure what to do now that my pet is another year older. Totally deceived .