Like most pet insurance there is a scam aspect to it. You really don’t get the coverage you get in human medical insurance. I used embrace for 5 years and the rates have gone up between 20% and 35% each year, so I constantly have raise my deductible and decrease my yearly aggregate amount they pay. I have swithed to Prudent Pet insurance and saved 1300 for the year for the same coverage, so let’s see what happens. Not sure why embrace invited me to review when I just canceled my policy?

Terrible about finding reasons not to cover any conditions after you’ve been with them for a while. At the same time they greatly increase premiums annually. I’ve been with them since 2019, terrible treatment of loyal customers.

My first interaction with Embrace was a negative. I called to tell them I received a post card with supposed enclosure key fob that had medical history & insurance information for my dog however , the fob was missing . I was supposed to get 24 hour follow up with an update for a new fob & 5 days later I am still waiting .

I have a claim in for oral mass surgery and GI issues - they are sending for review and getting records. The cost was over 1800. I’ve barely used the insurance since I’ve had it for the last 3+ years for my pets. And they say it can take up to 30 business days. I even didn’t use my wellness one year for 2 pets that’s over 500. Pretty disappointed in Pet Embrace. I thought they’d be there when you need them. Now feeling like they are trying to find a way not to pay.

Having problems submitting claims, seems the website locks up from time to time and does not allow you to finish. Have to submit again the next day.

I’ve had Embrace Pet Insurance since 2022, paying monthly with the expectation of peace of mind if my pet ever needed care. Unfortunately, when I finally needed to file my first claim, it was denied—despite having active coverage for over two years. To make matters worse, my monthly premium nearly doubled recently, and the only explanation I received was that it “reflects rising veterinary costs.” Meanwhile, I received no added benefits or improvements in coverage. It’s incredibly frustrating to be a loyal, paying customer for years only to be denied support the first time I actually need it. Pet insurance is supposed to provide security and reduce financial stress, not add to it. Based on my experience, I cannot recommend Embrace. If you're looking for an insurer that actually supports you when it matters, I’d suggest looking elsewhere.

This is second time submitting this claim. I went in because I hadn't received any money and it showed I never submitted, which I did back in April. There were also many times I received an error code when trying to submit a claim or it wouldn't let me go back. I had to open a new tab and login again. I also couldn't review prior claims.

They deny everything and request paperwork 6 or 7 times before they ever accept....THE ABSOLUTE WORST COMPANY I'VE EVER DELT WITH....

I was denied a claim a few months ago based on the fact that my dog was chocking and required an emergency exam. Embrace claims that without evidence of what went wrong or why, they denied the claim. Makes no sense at all!

Horrible insurance that I currently have. When filing a claim for reimbursement, I’m informed after six months of payments, but there’s a 30 day hold because I need to review my pets medical history for the last year before they can cover a hospital visit for him ingesting a foreign body. Like how could eating a piece of plastic have anything to do with a pre-existing condition or the fact that when I got the insurance I asked them to get my pets medical history for the last year which they did but apparently I didn’t ask them to also review it so now that I filed a claim, I have to wait 30 days for them to review the information before they can even look at the claim or try to make a decision. Worst pet insurance I’ve ever had anywhere I should’ve never have changed to this company go somewhere else don’t end up screwed like I am.