too demanding re vet detailed invoices

I'm honestly looking into filing a lawsuit against Embrace for their bad faith practices. I submitted documentation and a letter from my Dog's doctor and a appeal was reversed, but they still try to look for every reason to deny a claim. So my claim was denied twice for the same reason when my Dog's doctor proved that any pre-existing conditions are not related. HORRENDOUS SERVICE!!!!!!!!!!!!!!!!

Worst decision I made was switching to this insurance company. Final act was when they refused to cover any cancer for my dogs in the future because a skin tag that was removed wasn’t aspirated. Even though notes from vet stating nothing unusual noticed on removal they refuse to cover any type of cancers in the future. Trash company!

Please STAY AWAY FROM EMBRACE. I would not recommend them to my worse enemy. They prey on people who love their pets, then do everything in their power to weasel their way out of coverage. DO NOT TRUST THESES PEOPLE!! 1. They dig into the smallest "preexisting condition" not to cover your pets. In this case they blamed a self inflicted scratched eye from a dry eye in 2022. Once my opthamologist was able to prove thats its not from dry eye, they want additional proof from my primary doctor. They then blamed a scratched eye from cataract. 2. They pride themselves as "24/7 Pet Health Line Through Pawsupport" that's a LIE. You can't reach them outside of their business hours. 3. Increased my monthly coverage by more than 50% without telling me. You can't find the billing statement unless you call to enquire or check your bank account. 4. It's hard to send them additional proof through the portal if you'd like to dispute their decision. You'd have to call and ask for an email. These people are pure evil and unethical, they DO NOT CARE about you or your animal. Please, do not make the same mistakes I did. THIS BUSINESS IS A SCAM!

Same old same old as any other insurance company. Every angle is covered to get out of paying claims. The typical denial of payment because of some irrelevant information that they are missing, inaccurately attributed unrelated new health issues to pre-existing conditions, inordinate delays in response after placing claims on hold because of “review” process. Be prepared to pay out premiums in addition to having to pay for vet services out of your own pocket. Completely taking advantage of owners’ love of their pets.

When my pet has passed on I will never use Embrace again for my insurance needs. They don't really care about your pet they only care about money. I understand that my premium goes up each year based on our dogs age but they try to claim they don't raise your premium based on past claims, with is false. I had several claims last year and low and behold my premium increased by $140 for the year. From $116 to $256 and you can't tell me this wasn't because I had several claims. The only option was to reduce my coverage in order to get a lower premium which is absurd. Like I said all they care about is money. Insurance companies over all are a total rip off in my opinion.

It's not really clear how to submit a prescription for Heartgard. It's a preventive, medicine that requires a Vet to write the prescription, but yet, there's not a diagnosis available to accompany the claim. You get all these warnings that your submission will be delayed without a diagnosis.

I have had Embrace Insurance for several years, I have submitted several claims but have yet to see a check. Embrace claims the vet is not providing the proper paperwork but has not explained to me what exact paperwork I need. Don't know what else to do about my max. Been a member @USAA for more than 40 years. Have never had such deplorable service.

Chief's claims are consistently denied or not paid correctly. His chronic ear infections and skin allergies were deemed to be pre-existing, which Embrace would have never even known had I not provided his vet records prior to me even rescuing or owning him. Ever since, if there is any mention of an ear re-check, the rest of the claim, like dental cleaning, is not paid in full or correctly.

After rescuing our dog in March 2024 we chose to invest in pet insurance to defray veterinary costs. We chose Embrace Insurance, what a mistake we now much regret. The cost 66.00 a month for our rescue of 7 years old with a 250.00 deductible per year with No Wellness visits included. Pre-existing conditions not covered which we fully understood, apparently everything imaginable is a pre-existing condition as we were not reimbursed a single cent for any of the claims we submitted. We received a notice that our monthly bill would rise in April 2025 to 112.00 per month, almost doubled because she is now a year older. Beware Embrace Insurance is not worth the money we lost nearly 800.00 in 1 year and we are letting you know this so you don’t lose out too.