This company has become harder and harder to contact. When you do reach an agent, they are very nice and helpful. Over time, the rates have continued to increase.

I contacted the better business bureau today to ask if in one year time a month payment can go to $84 to $217 a month as I’ve been with embrace and loyal for 9 years and for the first time I received back $200 and this is how much my monthly payment got raised. There should be a law on how much of a percentage can be raised year to year, I will look into this because if there is not a law I will fight for one for pet owners. I don’t recommend embrace to anyone. If a pdf could be attached I would show proof the the price increase. This amount raised is ridiculous. This is what you get for being loyal.

I have 3 pets with Embrace, but had fortunately never had to file a claim. The first claim I filed was for my cat, who has a congenital knee injury, and had broken her femur. The first claim was rejected because they said she had injury (which she didn't - a knee is different than a femur) even with Xrays and a surgeon's letter saying her knee injury had nothing to do with the break. Then they changed their argument and said the injury could have been old, like she's been hobbling around the house with a broken leg for months. But then I had my primary vet's notes who had just seen her weeks before saying she was running around and playing like a normal cat. Then they said the initial ER Dr. didn't immediately identify her broken femur, so it didn't really exist. But as soon as the orthopedic specialist saw it, he said she needed surgery immediately because it was already starting to set itself. Basically, every asinine argument they had, I had a perfectly reasonable counter argument for it until they finally said it was at their discretion and the case was closed. They never even mentioned the possibility of a second claim to dispute their findings until I had read through the fine print and requested it. Then they had an independent orthopedic vet advise them and our orthopedic vet wrote a more detailed letter when they eventually ruled in our favor. The entire process took several weeks and even though Embrace says to sit back and "They'll take care of all the work," I was the one who collected all the information to present to the adjusters. They collected the minimum amount of information possible to deny my case and nothing more. Even when the evidence was overwhelming clear that they should be paying the claim, they fought it tooth and nail. I realize they're an insurance company and their job is to save money, but they shouldn't go so far as to do it at all costs and cheat their customers.

I had embrace for 9 years and didn’t make a claim. This year I made a claim about the amount of the policy cost. They over tripled my policy this renewal period and to a point that the policy cost + deductible exceeds more than the maximum they would pay out.

After a heart murmur was found in our puppy, they decided to state that it was a pre-existing condition. Even after the vet recorded that it was an "innocent" murmur, meaning it won't cause problems, they denied the claim. I've paid thousands in premiums over the years for different dogs and I have to say that this is a total waste of money. They're horrible.

This was the most ridiculous, unnecessary, drawn out claim process I have ever had. And the amount of the claim was nominal for vet visits now. Neither I or the vet could understand why and how the info Embrace asked for was in any way relevant. Needless to say this was the first and last time I will insure a dog with Embrace. When my contract ends in June, that's it.

Raised my rates because we moved. Same vet, same cat, same furniture but different living room. Maybe they think my cat is driving our car? Not sure how our new address makes him a higher risk.

This has to be the biggest crock I've ever heard of. Premiums increased have gone up by 400% since my initial sign up, with the latest increase nearly doubling my monthly rate. I've never filed a claim. Sick of the annual arbitrary price increases. Literally every other company has better service at a less expensive rate. What a joke.

Increased my rate by 63% in one year. They said it was due to the age of my dog. My dog just turned 7 years old, I’ve had embrace the whole time. I’ve used maybe $200 in claims in 7 years. Absolutely insane. After 20 years of using them I will be switching companies.

When my cat turned 16 to the raised his premium to 345 a month. When he needed it most. Stay away. Also: the response to this is cold as helland exactly what you would think. I paid for my cat to be insured his whole adulthood before any problems. They went from 95 a month to 345. Do yourself a favor, put the same amount of money into a mutual fund, earn interest, and pay out of that. Otherwise, no matter what the corporate drone below would have you believe, they will screw you over when you need it most. May the insurer feel the same suffering that they instil upon every pet owner who watches their pet die due to insurance premiums that are untenable when your sweet, precious, babe needs it the most. A pox on your family.