Bought a policy for my two dogs and paid a year up front. 6 months in each of my dogs had to see the vet. My Yorkie had pancreatitis and a UTI. THEY’VE DENIED the whole cost and said 5 months ago in routine bloodwork something was elevated. At the time the vet said it was nothing to worry about nothing to do. Now they won’t cover her illness as there was more existing condition. Give me a break. Total ripoff.

As a "loyal member of their pack," (their words, not mine) Embrace sent me my policy renewal with a 46% year over year increase in the premiums. We have made no claims. This is criminal. Over $1100/year for the bare minimum coverage. It is now more cost effective to put that money aside for the possibility of a bill. Sending anymore money to Embrace is akin to lighting my money on fire.

I don’t know what the point is of paying 40+ dollars a month for insurance when they deny all claims. I canceled. Too frustrating. What is the point?

There's nothing particularly bad about embrace, but there's also nothing good about them. They're an insurance company which is inherently a crappy service that makes its money by delivering the bare minimum of what you're paying for and doing everything in their power to weasel out of doing even that. I've had thousands in vet bills for an elderly dog in the last year and this policy is still barely paying me a dime back of what I've paid into it.

I don’t know how Embrace got more than 1 star. Be sure to purchase some type of routine care coverage; filed 3 claims and got $Nothing. Just be sure what you are buying.

Upon discussion with Embrace Customer Service I must change my review response below because the wonderful gentleman I spoke with who deserves a raise because he really is a fantastic person and employee, explained that my claims haven’t been reimbursed because I already hot my $250.00 quota. Which leads me to reflect on just how much of a benefit it is to pay for the extra coverage. ???

Had this insurance on my little dog since she was 3 months old. When she was 10 yrs old she became ill and they tripled the premium. @299 a month!

I have had embrace for my St. Bernard since she was a puppy. She is 10 yrs old. My only complaint is the amount that embrace increases every year is insane. I was paying 235$ then 287$ and then jump to 435$. That’s a car payment basically. I’m actually at the point of just dropping the insurance and using a credit card and just paying it off. Even though she had a surgery 6 yrs ago which was $9k after adding how much I have paid embrace I easily could use a credit card and just pay it off over time. I have spoke to other insurance companies and they are so much cheaper with exact same coverage ( including a higher wellness amount at a cheaper price). It’s sad considering I have been a military member for over 45 yrs.

This year I increased my deductible 100% for each of my 2 cats and my cost still went up over $20 a month. Then when my 2 otherwise healthy cats needed dental treatment, less than $75 was covered, and none of the rest of the $2500 (for both cats) even went towards their deductible. I'll be canceling these two policies as soon as they expire and will be starting my own FSA (feline savings account) for my two cats. I've paid WAY more WITH this insurance policy than I would have without.

I paid 800 $ to get 90 $ I am not happy with your service I’ll finish the year and I’ll find another company more reliable