Now that I moved to another state I'm having issues with submitting claims. SPCA Medical Center requires a deposit to schedule an appointment and Embrace is not understanding how that works with two receipts and now is putting claims on hold. Unable to get a Rep to get to the bottom of why they can.t ubderstand the two receipts.

Generally happy with this insurance. However they offer a dental allowance of $1000. Nowhere does it say that the deductible has to be met before being reimbursed for dental. It appears as a separate allowance on the policy. Had my dogs dental done last month expecting to be reimbursed the 1000 only to be told that the deductible had to be met first. The deductible is as much as the procedure. So what is the point of offering dental? If you have an otherwise healthy pet and don’t meet the deductible you won’t get the dental allowance. Very misleading and frustrating 😡

Even though I provided all the information, they kept asking for similar details, and it still took almost three months.

Beware! Embrace and Fraud Are Synonyms – Stay Away from This Company I have never written a negative review before. Typically, when I encounter a bad experience, I try to resolve it directly and find an amicable solution. However, that was impossible with Embrace. I purchased a policy for my yellow lab—my child—a few months ago and followed every rule in their book to ensure that, if and when I needed to file a claim, it would be handled fairly, ethically, and professionally. I submitted all required medical records dating back to 2023, completed orthopedic examinations, and even called to confirm the absence of pre-existing conditions. I did everything right. Yet, when I submitted my very first claim—for a simple case of diarrhea—it was denied. Embrace falsely linked it to an isolated, one-time incident of hypersalivation, which was completely unrelated. Their process is designed to delay, deflect, and deny rather than support their customers. This company operates unethically, immorally, and, in my opinion, engages in deceptive business practices. Embrace is a fraud—stay far away! Update: Embrace has labeled a single, isolated instance of hypersalivation from March 2024 as a “pre-existing condition.” This one-off occurrence, which has never happened again, was linked to my claim for vomiting and diarrhea—yet they deemed it pre-existing. If this isn’t fraudulent, unethical, and morally wrong, I don’t know what is. Stay away from Embrace, folks—you’ll thank me later.

You literally have 1 job: intake, process and pay claims. and absolutely NONE of that process is working right now. i had a $700 ER visit yesterday and can't even submit the claim for it b/c your site is broken. And that's on top of how you wouldn't process multiple claims b/c you didn't have medical records for a vet i haven't been to in 3 years b/c i literally moved out of state. Now. That confusion would be understandable had I not called you THREE TIMES to tell you that and had you not told me all 3 times you understood and were fixing it.

Paid for the extra Wellness coverage, and the limit did not come close to covering my cat’s neuter. I thought I was buying the most complete policy, but instead they classified my cat’s pre-neuter visit as a wellness exam. Even before this, they stopped issuing the point of sale credit card I had used to pay at the vet office, so that now the only option for credit for veterinary care at the clinic is Care Credit. There has been a series of disappointments for me with this company, such as when they automatically renewed my policy and charged my debit card for $600 without my knowledge or any notification. I was really counting on getting reimbursed for kitty’s procedure. I will definitely be exploring other options such as USAA or Costco after this latest disappointment.

Claims adjuster JH provided horrible customer service. I have no active claims with Embrace but was going through an appeal on pre-med history review with claims adjuster JH. I challenged her on how she could take an opposing view than my vet with over 30 years' experience with only having a few years vet tech experience. She promptly ended the phone call and now Embrace will not take my phone calls. In my opinion and my advice to others is that if you have a claim or appeal request that it not be handled by JH.

After purchasing pet insurance I received an email asking for the review. Yes, my purchase experience was great, my card went through. Yet I am leaving 2 stars due to this deceptive business practice of asking for the review before any services were actually provided. If I have any insurance claim I might come back and update this.

So far I sent in about $4000 in receipts and got back $25.00

I have had this insurance company for over 5 years, and rates went up very minimal until this year. I was shocked to see that our rates had quadrupled this year, and reasons were various! Called to get quotes from other companies, and they were nowhere near as high, nor did they raise their prices as much as this company did.