Wait forever for them to respond only to telling nothing is covered by we need every vet he's ever seen! And everything is pre existing conditions or not enough info! Don't by any pet insurance I've had 3 different ones all a scam I'm paying 163$ a month for one dog and won't cover!!!!! Don't waist your money on any of them

If I could give zero stars, I would. This so-called “pet insurance” company is an absolute joke. They lure you in with promises of peace of mind and coverage for emergencies, but when it actually matters, they do everything in their power to avoid paying. I recently had to take my pet to the ER for an urgent situation—a visit that was already stressful and expensive. I filed my claim with every single document they requested, thinking I was covered. What did they do? They nitpicked every minor detail to deny the claim only paying $40 after a $900 visit, claiming it didn’t fall under their “coverage criteria.” It’s absurd. What’s the point of paying outrageous monthly premiums if they won’t even cover a legitimate emergency? They hide behind vague fine print and ridiculous loopholes to dodge responsibility. The process of filing a claim is a nightmare, and the customer service is useless. They don’t care about you, your pet, or the fact that you’re relying on them in a time of need. This isn’t insurance—it’s a scam. Save yourself the headache and put the money into a savings account for your pet’s medical expenses. You’ll end up paying out of pocket either way, so why bother with these fraudsters? DO NOT trust them with your pet’s health or your wallet. This company is nothing but a profit-hungry scam operation, preying on pet owners when they’re most vulnerable. Shameful.

First accident claim for the puppy. Our 2 year old tripped going down our stair, and she had a small limp for the next 10 days on and off. We decided to take her to the vet. The vet basically said she hurt her knee, and gave her some pills. One week later no limp. I submitted my bill, and because it was an orthopedic injury in our waiting period they won’t cover a ACCIDENT that is fully covered. If she cut herself she would have been covered. This is how USSA veterans are treated.

The insurance we paid for was absolutely useless. Nothing was covered for our dog, no regular health check ups, nothing. I’m sure there are other pet insurance companies that are worth purchasing, but Embrace Pet Insurance certainly is not. Thankfully we cancelled and will look into better pet insurance available.

The 1st time we took our dog to the vet after getting onto Embrace, our reimbursement was deposited into our bank within 2 or 3 DAYS! This 2nd visit, 3 months later, was much higher than expected. We need that reimbursement , but we’re told online that it could be 1 MONTH. We need it deposited ASAP - not a month later. If this is what to expect, then maybe we’ve made a bad choice.

Good day! I'm new and trying to figure it all out what it helps w and how it works and benefit for me and prince. I'll see in time. Thanks again

The claim took several months to file and covered less than 25 percent of the vet bill.

I have embrace for our fur baby, and I was just informed that the first claims will take up to 30 days.. Embrace has all medical history & medical bills, and was told it will take 30 days !! I was not told this when taking this pet insurance out for our dog.. I was told they have a quick turnaround and will get reimbursed with in 10 days !! NOT TRUE

Beware beware there is no way I believe these reviews most have to be artificially generated check the Better Business Bureau pay 2 years on this policy every single claim denied read your policy read your policy it covers nothing and you will not find this out until you absolutely need it two years down the drain my dog will die because of this company I encourage a class action suit

So far can't state whether I really like or dislike. This is my first time submitting a claim