Absolutely terrible!!!! Paying over $60 for my pet just to be denied every single claim without talking to me or looking into it, just sending a message and reffering to a policy that doesn't apply to all listed conditions/reasons for the visit. And the "pre existing condition" doesn't even apply for his recent visit. This is crazy, my girlfriend is paying half the amount and is getting her pet covered at another insurance comapany. I just canceled with them and will be disputing their claims. What am I paying you for if you don't care about my pet nor help cover anything??? I'm currently in the Airforce serving this country and you're just stealing my hard earned money.

The constant phone calls I received made me run away. I checked out your page and then wanted to talk about it with my spouse before signing up. I received 3 phone calls while at work the same afternoon. After that I had no desire to work with Embrace, but my dog got a baby carrot stuck in her esophagus. $1800 later, I signed up for Embrace.

I just went to file my first claim and was very disappointed to learn I had only 60 days to submit claims. Somehow I missed this in the initial registration -- probably because I was exhausted from dealing with a new puppy.

After paying into this pet insurance for a decade, I was shocked when they raised my monthly premium to $500 for my 15-year-old dog—who, by the way, is still healthy, active, and has no major medical conditions. She walks regularly, jumps on the bed, and has only minor joint stiffness. This price increase wasn’t based on her health but on cold, statistical assumptions about senior dogs. It’s clear they’re happy to collect your money while your pet is young, but when the risk of paying out increases, they’ll price you out. It’s manipulative, unethical, and shameful. I canceled and found a new plan with solid coverage for half the cost. This company does not stand by its customers or their pets. Avoid at all costs.

Tried to cancel 4 months ago and still getting charged over $500 a month. I've lost over $2,000 that I can't afford to lose. They're pricing jumped $300 from the year before. There are other pet insurance companies out there that are more affordable and offer the same as Embrace. Do your research before choosing this company.

Navigating through the website is awful. I had trouble viewing my new dog policy because the option to see it was not in plain, logical sight. Also, I’m having problems with inputting the bank info for reimbursements, which means I will need to call Embrace during a time call volumes are high.

Tried to say diarrhea from a year prior from a flu bug was a pre-existing condition so then anything where the stomach was involved (basically any virus has diarrhea!) wouldn’t be covered! So when I ended up in the ER a year later from my dog ingesting something that caused him to vomit and have diarrhea, they wouldn’t cover any of it saying it was pre-existing!!! Waste of money! I’ve had plenty of dog insurances over the years and this one is truly the worst

I cannot endorse Embrace Pet Insurance unless you enroll your pet immediately after birth. Any health issues your pet had before enrollment are considered pre-existing conditions. For instance, my dog had an ear infection a few years ago, so any future ear-related issues aren't covered. He also had diarrhea once, which counts as a pre-existing condition. Additionally, he needed to have a tooth extracted, meaning dental work is not covered. Two years ago, my dog exhibited signs of a potential seizure before I had pet insurance, but he was never officially diagnosed, so it was never confirmed. Fast forward to now, my dog experienced multiple seizures one night, and it required an emergency vet visit. When I submitted a claim, it was denied due to pre-existing conditions, meaning the ER visit and any necessary future medications will not be covered. I understand their perspective, although I disagree with it. I wish it had been clearly communicated when I signed up that his policy would essentially provide no coverage. Had I known, I would not have purchased the policy at that time. I feel deceived and betrayed. I cannot recommend Embrace Pet Insurance because, when I needed them, they were not there for me.

They're customer service is great! They've never denied a claim. So far good right? Our dog got a cancer diagnosis. The claims got pretty expensive. We ate up about all the the $5000 coverage. So this year our rate went up to $6474.21. Than means to get $5000 coverage we have to spend the $500 deductible plus our 20% portion ,$1000, plus $6474.21. Full coverage from Embrace will cost us $7974.21! Response to Embrace's reply. I'm not going to go over all of the numbers. Every option I was given, increase the deductible, lower the percentage Embrace would cover or both. The bottom line is the cost of coverage will be well over $1000 more than paying for our dogs medical expenses. With that said, I realize Embrace is not in the charity business. I do feel in this case that honesty is the best policy here. Saying it makes no economic sense for me to continue using Embrace. The expense would be far greater than the coverage is worth.

Embrace raised my rates significantly even though I had no claims the past year. I spoke with the Embrace representative about this rate increase and they could not/would not do anything. While the customer service was great, I decided to go to another company.