Its been 7 months, and my claim still hasn't been paid.

Been with the company 10 years. Started out great but in the last 2 years I've gotten a 30% and then a 300% increase to over $1100/mo. ZERO loyalty with this company. Please do not support corporate greed with Embrace. Find somebody else ... anybody else.

After 15 years of paying monthly premiums including very minor yearly increases this year they raised my premium over 400%. I went from paying $81/month to the new increase of $322.50/month!! The person I spoke with thought this was entirely reasonable and offered to cancel the policy since I was so unhappy with the change. So yes the service was good for those years but this is how they treat you and your precious pet when they would probably need it the most. Don't fall for this trap

They could uphold the terms of their insurance contract and stop wrongfully denying claims.

System continues to kick you out when submitting a claim. We are tested to find a loop in the system to get it to work.

Read the fine print, and then just understand it's an insurance company with the main goals being (1) collecting your premiums and (2) denying your claims. My dog had a lipoma, but I wanted it tested to make sure it was benign. Because my dog had a lipoma in his past, ALL lipomas and lumps and bumps are considered pre-exisiting conditions, and are not covered. The insurance contract is written in a way to be vague about this, but the staff will go out of their way to explain things in their favor. I am sticking with them for now, despite that they've never paid a claim AND they raised the premium just recently, but only because I have resolved to accept that this policy is nothing more than a catastrophic policy, should my dog break a bone and need surgery, or something like that. For any other purposes, it's useless (and VERY expensive, even with the USAA discount - incidentally, it's disappointing that USAA affiliates with a company like Embrace, as these are definitely shady practices).

Be aware of pre existing conditions clause. One bout of diarrhea within one year will exclude anything diarrhea related for one year. Typical insurance game.

I have had this for over a year and I'm regretful of spending so much money. The site and all often are buggy. I'm concerned this is not going to actually help me or my pets.

Claim denied because they stated there was a six month waiting period for orthopedic issues. I don't see how an infection due to a foreign body in the paw is related to this. Seems like the company is all about denying claims.

I would call quite often just to follow up on things and see if I needed to submit any more documentation or what not and some of the people I talked to were very nice and helpful however others were very rude and came off super annoyed from the second they answer the phone, this made the process even more stressful for me seeing that I was dealing with a sick pet and this was my first time purchasing pet insurance thus I’m unfamiliar with the process and was just looking for information about how things work. I don’t make a lot of money and I feel like a spend a lot out of my monthly budget for this insurance for my dog so I was expecting to be treated better.