Spent almost $90 per month for a year, never used it and then they raised my rate to $120, so I canceled. THEN they told me they had a special rate at $14/month for major incidents only (which is all I really wanted anyway). Not impressed

Up until now, we had Embrace insurance for our rescue cat. For three years, we had no claims and the cost per year was about $400. This year, the cost just about doubled, and we did have a claim with only two weeks left of our policy, as we decided not to renew. Our cat seemed to have issues walking up stairs, couldn't jump up on a chair, etc., so we had to take her to the vet. After x-rays, blood work and a shot, the bill came to $850.00. We submitted the claim and was only rewarded $102.00 for what we thought was a bit low for the standard treatment of one visit to the vet. Not ever having a claim for as long as we had the insurance, we thought we should have had a better settlement. It was, however, easy to submit a claim and the response was very quick.

This company will not pay legitimate claims by finding a loophole in the policy. I paid over 3k in monthly dues and the one time we file a claim for $260 was denied. Move on find another company to insure your furry child.

Very hard to get claims approved. Very dissatisfied. Much easier with my other dog’s insurance. And they about doubled the new year premium. Probably going to drop them for all the frustration.

I couldn't tell you what the payout process is like because I never had to make a claim. YET, my policy started out at $63 a month, the next year was $86, the next year went to $98 and this year they wanted $132 a month. I can't imagine what the monthly charge would be 5-6 years from now when I would likely need to use the policy. I cancelled and just started putting $150 aside for vet bills. If I would have put away $100 a month from the beginning I would have $3600 already and $10k by the time I likely need it.

I have submitted 3 claims and 1 precert. The precert and one of the claims were reviewed and reimbursed within a couple days. The turn around time on the completed precert is still in review 9 days past submission. This claim should have been the easiest to review as the precert was completed beforehand. Nine days is a lot of time for a procedure that was out of pocket over $2,000.

Pet insurance is an incredible resource when it comes to managing the financial burden of unexpected pet-related expenses. However, I’ve encountered a frustrating issue with Embrace Pet Insurance that feels both unreasonable and unfair to loyal, paying customers. The inability to increase the reimbursement percentage and amount on an existing policy without triggering additional waiting periods is unreasonable. This policy effectively turns any pre-existing condition your pet has into a permanent limitation if you wish to adjust your coverage. Additionally it does not consider how accidents may cost more than what the customers anticipated at the beginning of their policy. An embrace representative stated that any increase of policy, regardless of when it’s done will result in current conditions or injuries becoming pre-existing and no longer covered under the insurance. This basically means that you are stuck at the amount you first selected when you initially started your policy. As a paying customer, I find it disappointing that policy adjustments aren’t more flexible, especially when the goal is to provide the best possible care for our pets. While the coverage itself is valuable and reimbursements are reliable, this limitation is worth considering before choosing Embrace.

Frustrating to submit 3 invoices as her condition did not improve and xmas eve original vet closed so had to bring her to ER vet. Your software only takes 1 hospital and invoice and yet you state you want all of them together. Impossible. As if this whole experience is not stressful enough.

Terrible Experience – Would Give Zero Stars if I Could! I can’t believe how misleading this company is. The hidden costs are outrageous! They lure you in with seemingly good deals, but then you’re hit with unexpected charges that were never disclosed upfront. It feels like a total scam, and I regret trusting them. Highway robbery at its finest. Do not trust them! Save yourself the headache and go elsewhere.

terrible insurance .