Company refused to cover a new condition(ear allergies) because my dog had an ear infection 9 months ago. These are two unrelated conditions with two seperate causes. I am appealing the decision.

customer service sub par can't communicate via their web-site, email, and impossible by phone. ("always busy..high volume")

Typical Insurance Company. They will find anything to deny claims submitted

Staff on the phone are nice but filing a claim and working with them about it is very stressful, not very helpful. I’ve submitted several supporting documents and it still says pending when they should have the documents already.

There is some difficulty in inputting on line for a grooming expense if you have that on your insurance plan. It would be easier to have a separate section, non medical, to hit that tab, date, download receipt, name the pet and go forward. I always have to find the other options when your system wants a diagosis,

Wellness reward program is so costly and a scam for anyone who isn’t shopping around for a better plan. Maxed out “benefits” within 6 months. Turns out our offers an unlimited rewards program for only $7 more. Make sure to shop around.

It's hard to know if this is a good insurance company to work with because I never made a claim. However, when I signed up two years ago, the monthly rate seemed very reasonable, but the following year upon renewal the rate went up by 30%. This year it is about to go up again an extra 50% of the new higher price so it will be almost twice the original price. My animals are very healthy and I haven't made any claims. When I called I was told it is because my animals are getting older. I did the math and if the premiums keep going up even at the 30% rate per year, if I open up a savings account and put that amount of money away each month, in 4 years I will have a few dollars shy of $10,000 saved up to take care of my animals without having to worry about dealing with an insurance company and paying deductibles and percentages, so that's what I am going to do.

I cannot express how bad this company is. I switched to Embrace after Nationwide raised their rates so high that we could no longer afford them. I knew that the two pre-existing conditions our dog had (lixating patella and collapsing trachea) would not be covered, but I discussed them with my vet and he agreed that both were mild cases, not getting any worse and we would not go after treatment for either. About six months after signing with Embrace, our dog came down with Pneumonia. Embrace denied all claims. Their excuse was that because our dog had come in with a cough due to the collapsing trachea in July of the previous year, Pneumonia would be considered a pre-existing condition. My vet rejected their excuse and wrote back that the pneumonia had nothing to do with the previous cough. They refused to pay. The pneumonia got worse, and to a point where our dog needed to be hospitalized (the very sort of thing I bought insurance for). We were several thousand in to treatment, and an emergency vet needed to place her in their hospital. I couldn’t afford the $5000/night cost. We tried our best, but we lost our baby, and it’s Embrace pet Insurances fault. If I were rich, I’d sue them simply out of principle. They were very much in the wrong, but there’s no way to fight them without money, and they know it. Stay away from this company. They are thieves.

10 days ago, I reached out to ask why my rate increased by 150% from last year to this year. No answer. Disappointing, but they have lost this customer.

Takes way, way to long to get Documents uploaded and Submitted Not Completely satisfied with Company Still Grateful and Blessed