My 6 year old Newfoundland required surgery which cost $4000 to repair a defect in his throat; Embrace denied the claim because he was once seen for a cough; calling laryngeal paralysis a pre existing condition. Now they want to increase my premiums in May; the anniversary of the policy.

They offer a medical history review for pre-existing conditions and refunds within thirty days of purchase. What they don't make clear is that there is no way to complete the medical review in that time frame. On day thirty two, Embrace confirmed a long list of conditions they wouldn't cover, despite my request for review immediately after signing up, and refused the refund.

I have had Embrace for just over a year now. I have 3 claims, one was denied which is ok, it was within 14 days of getting the insurance, however the other 2 are still "on hold" even after giving ALL information requested. I have paid so much money to them and they refuse to honor my policy. STAY AWAY FROM THIS INSURANCE COMPANY

After 10 YEARS With Embrace, I Can Honestly Say, They Will Come Up- With Excuses Not To Pay You For Your Dog's Seminal Check Up! Since December 2024, I Have Been Paying $110 MONTHLY for My Dog Insurance. They Raise My Monthly Payment every 3 1/2 Years. My Last Vet Checkup Bill was roughly $464.00, but Embrace Only Paid Me FOUR DOLLARS AND NINE CENTS! When I Complained, They Said I Filed Two Days Too Early Before My Next Payment Date. Ths is The Second Time Embrace Has Cheated Me Out of Hundreds of Dollars. I Have Always Paid Them on Time and Have Not Had Any Major Dog Surgery Problems. You need To Go To The Vet Within The Dr. Time Frame For Seeing Your Dog. I Have Complained To The State Insurance Agency That Overseas Embrace Dog License. I also Sent In two Letters From The Embrace Portal Showing i was Told I Would GET MORE MONEY. They Gave Embrace 165 Days To Respond. I Am Still Waiting To Hear The Response From (Sorry A$$) Embrace. By The Way, Embrace Is Owned by USAA LiFE IINSURANCE Which I have Been With For Over 50 Years. USAA Did Not Give Me The Time Of Day When I Complained To Them. For The Last 7 Years, New Management Has Taken Over. USAA and Run It Into The Ground! USAA Used To Be An Excellent Company--Not Anymore.

This company penalizes loyal customers. Do not insure with them. After 10 years with them they jacked up my rates from 100 a month to over 200 a month because I have been with the company for this long. Not a trustworthy business.

I don’t think they pay for anything and thus far I am sorry I changed pet insurance companies. All of my cats are rescues and don’t have records since the beginning of time and they keep asking for more. Our vet sent them complete access to his full file and it’s still not enough. They are saying my cats have pre-existing conditions that they do not have and were never treated for. Very very disappointed.

I had accidental and wellness. They owed me 250$ back for the wellness for the year and she had a lameness issue. I got nothing !! They told me they didn’t have enough information from the vet . They send over novels of her problems and still nothing !! I canceled it ! I wouldn’t have even gave them one star but had to to write this review!!

Unfortunately I had a claim that should have been approved but it was denied. Paid a lot into my insurance only for when I needed them they didn't come through. I provided what i could from the vet but it just wasn't enough. The vets never lose though and get there big pay day Everytime. Better off not having pets.

I would have given 5 stars but I cancelled my policy because the premium increases by at least 50% each year and after canceling, I was still charged. They acknowledged the error but it will take up to 10 business days to get my money back after they took the money without cause or permission.

I'm disappointed that my pet insurance keeps going up. I thought that once I had a policy, I was locked in. Because we've had some claims, my insurance has increased to the point where it's not worth it. I'm disappointed I wasted the last 4 years paying for it. I feel it's a scam.