This company is an absolute sham that sells you they have the lowest payments possible but they constantly raise your premiums every chance they get. I never used the premium one time but now Embrace illegal emails you stating that if you don’t acknowledge the email. They will cancel your entire policy. They can’t even bother to make a single phone call to let you know. Instead they illegally raise your premiums through used car dealership tactics stating your premium is going up and they will cancel your premium. This company charged me over $1500 and when you talk to a supervisor so little empathy saying sorry. It’s not their fault. I’ll be taking this up with the BBB and the FTC for these illegal practices. You think this company should be out to help pets instead it’s. Completely money grab. Out of $1500 now because of this scam company. They took the money, never used it and claim they can’t refund. Dollar!

Nothing has improved since my last review and several communications with the Claim's department. I pay hundreds of dollars a month to insure 5 dogs thru this company. The majority of my claim submissions are put on hold or declined because the employees in their department are too lazy to look thru a whole invoice to find each dog's services. Most places do not give separate invoices for each dog-it is a single print out!

List of conditions did not allow enough choices for me to choose what the reason was for me bringing her to the vet. Apparently my claim will now take longer due to not seeing a viable alternative on their list.

Your insurance sucks! How can you deny a claim for a one-year old puppy because of preexisting condition. She’s only a year old! I assumed since you were affiliated with USAA, that you were a reputable company. I was sadly mistaken.

Embrace denies claims for many reasons of which you basically have NO WAY to argue and or appeal. They deny ALL the time. They take your money but do not pay. The refuse everything and you basically have no way to argue. Forget trying to email them or call them. "No-Reply emails" are always sent. I would avoid them at all costs. I was not reimbursed, did not have the funds to help my dog and hence he subsequently passed. Embrace does not care about you only your money. Embrace will of course respond stating they care but they don't. Don't believe them when they respond - they will continue to claim "Pre-existing conditions" such as a wart on your dogs skin as a pre-existing condition to a tumor. I kid you not! They are horrible

You have only paid one claim and I sent in two. Please send the check now. Ann Tremaine

Recently had our first claim with Embrace after 2 years of membership. They asked for history of vet visits which I dutifully provided, only to have them use that to deny every claim. Even though the Vet Neurology Specialist wrote a letter to Embrace stating the the reason for our claim had nothing to do with earlier visits. Additionally, they decided that because a skin tag I asked our vet to look at was too small at the time to biopsy, our dog will be denied possible future cancer care because it is a “pre-existing condition”. The skin tag has since dried up and fallen off, but makes no difference.

One of the most unethical business operations is this company. They do not honor their contract, come up with any excuses to deny significant claims, and operate criminally. They’ve denied all claims ! AVOID AT ALL COSTS. They invest heavily in marketing, but check out BBB complaints against them. Furthermore, they increase premiums up to 80% after one year. Such a fraudulent operation and behave criminally and violate contracts. They should be sued!!!!! Do your best and avoid the hype with their marketing and read their REAL reviews.

seems to have gone downhill, in my claim submissions give them what they need and they make something more out of visit then it is, to get out of paying on claim a pain in the butt and pocket, letting them know it isnt a wellcare visit but visits for on going medical issues with my dog. Two visits on stomach issues, an infection w/bleeding in gland and diarrhea Dr notes clearing stating medical visit and symptoms 2 visits in November

Policy began July 2023. Claims had successfully been processed. Then he had surgery July 17, 2024. First, you said it was his first claim. Incorrect. Then, it took months to get the claim processed, citing Embrace required more complete medical history. A summary report was provided by his previous veterinary clinics and there were no indications of his having any masses removed. There was no need to bother veterinarians and their staff to get "itemized, physician notes" and you had no right to demand them. Now that you have them, send me copies so this doesn't happen again! The contract states: Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to the Pet Original Start Date as shown on the Schedule Page(s) or within fourteen (14) days after the Pet Original Start Date. Failure to do so may result in your policy defaulting to an Accident only policy. Meaning you will have no Illness Coverage and your Illness premium will be refunded. You may add Illness Coverage back onto your policy once a qualifying Veterinarian has examined your Pet and detailed records for the exam are available to us. This will result in your Illness Waiting Period end date changing to the date of the first exam. No Illness Coverage is available until a qualifying Veterinarian has examined your Pet, and Pre-existing Conditions, if any, may be determined upon the date of the qualifying Veterinarian's examination. This exam was conducted within the timeframe and you had the detailed records. There was no reason other than trying to delay or get out of processing the claim and making payment. I was surprised when his annual exam was processed timely and the amount covered. So, I am staying with Embrace at this time.