Changed address and they are now charging an additional 21 dollars a month.. That speaks for itself.

Terrible experience - they doubled our monthly premium after one year and automatically denied every claim based on a pre-existing condition even when there is clearly no connection between the two (even after our vet wrote an appeal letter). Their claims adjusters have little medical knowledge and it became clear after a while that their MO is to deny every claim regardless so you have to spend all your time and energy to appeal. You're better off self insuring than give your money to this company.

Policy is not as transparent as I hoped it would be, because after being a policy holder for over a year I ask about upgrading my Wellinses potion and the agent could not give me a straight answer, because when I asked about the upgrade he said it would cost me an extra $200 before my current policy was due for renewing in 2 months, but if I wait two months it would be about $50. That seem to be Horribly HIGH for just two months and especially if my dog had no more Vet visit. So I been thinking about shopping around, but I might still stay and just wait the 2 months Loyalty so current policy holders don't mean anything!!

I was asked repeatedly to submit my pets records. I submitted them than was asked to do it again. This happened three times to the point I was extremely annoyed. The process was suppose to take approx 30 days. I was told the 30 days starts from the date they receive the last record from the vet. After two months I received a policy that excluded my dog from any kind of cancer because she had a benign cyst removed. The premium amount was over $100 a month which was outrageous for excluding cancer. I went to Nationwide Pet insurance. They also excluded her but for a cyst if it showed up in the same spot. They did not exclude her from any future cancer. In fact, I was told to call back in six months and they will review her records and if she had no issues they will remove that exclusion. My dog has unlimited coverage that now covers everything with Nationwide. Embrace took way too long to review her records and excluded her for any future cancer. That was a very big deal to me since my dog is only 1 year old.

They adjudicated the claim fast which was great but didn’t explain what they were paying for and what they weren’t. Very vague saying I didn’t have enough coverage. I asked for more clarity but never heard back.

service was what I expected

Doesn’t really feel worth the money.

Submitting a claim is easy. However they don't reimburse as described. Be sure to read the fine print. Buyer beware

My fur baby was born with a congenital condition, however, he passed the orthotic exam and didn’t have any debilitating symptoms until 5 mos after the exam. Met the spend down requirements but they said they wouldn’t cover Tuckers condition since it was pre existing. The whole purpose of health insurance is just this…. Tucker was a year old plus 8 mos. His condition should have been covered. Period. Whether it’s congenital or not his symptoms showed in the latter part of his existence. These guys suck. Done. Waste of money.

Embrace seems like a great insurance on the surface, but when you actually go through the claims process, they try and try hard to throw as many excuses, i.e. medical records b.s., to not pay out claims. This has been a disaster of experience dealing with this Embrace Pet Insurance. They have finally paid out some claims but not all that they are suppose to, and every single claim has been like wrestling a gorilla. In addition they raised my monthly premium 100% over the first year and only year I have been with them. I do not recommend this insurance to anyone.