Kinda silly how you need to select the "wellness rewards" the completely optional benefit just to get covered for a vaccine. If I'm paying for insurance I should automatically have that as a feature in my policy. There should be no "optional reward" for a vaccine exam. That's like saying "if you tip us we'll give you something that you should've got in the first place"

They do not make it easy to put in a claim. they requested documentation from a year back and my dog was only 6 months at the time of my claim. REALLY. I may be changing companies, if they do not pay my claim

Started out great and then every year the increases have been 25%-40% - it's outrageous!

They do whatever they can not to pay a claim

Do not like the fact that I've had a policy 4 over 2yrs n hav yet 2 receive 1 dime bk frm Embrace! But $136 is being deducted out of our act. EVERY MONTH!!!!!!!

My yearly premium has doubled and the healthy pet discount went away.

Absolutely terrible!!! Signed to for wellness and major events regarding my dog's health, nothing is reimbursed! Very seriously considering cancellation!

What a horrible company. They just increased our premium by 68% this year. When I called and asked why we had such a large increase they stated it was because we had been with them a long time and our dog did not have any pre-existing conditions. Steer far clear of this company!

They're great if your pet isn't critical. But when your pet is in the hospital and you don't know if his claim will be considered an accident or an Illness (he hadn't passed his illness waiting period yet), you start having to ask hard questions about what you can afford. You drop $2,000 on the first battery of tests, hoping to get a clear answer on if this is something chronic or an accident. You're honestly hoping for a bowel obstruction, because while that may be one of the worst case scenarios, that's a clear accident You know will be covered. You answer a call at 3:30 AM, asking you to pay another $4,000 for more tests. They didn't find a bowl obstruction but his fever is still dangerously high. You have to consider, while half awake and worried for your poor sweet boy, if you can afford that if insurance denies the claim, or if you'll have to euthanize your beloved pet because you can't afford it and just don't know if it'll be covered. If you're in this situation, you'll get no timely help from this company. First of all, there's no after hours emergency line for critical claims questions like mine. I bit the bullet and paid $3,000 before I ever got to speak to Embrace. When their phones were back online, I called to try to expedite the claim process. I still didn't have answers and didn't know how much more in diagnostics would be required. The people I've had on the phone have been amazing but I've never been able to speak directly to a claims rep. The people I spoke to understood the urgency and told me they'd try to at least get an answer on if the claim would be considered a pre-existing illness or an accident. They couldn't promise me an answer that day though. Now, 4 days later I still have no answer. And every time I speak to someone they all seem to have no IDEA what my previous conversations entailed or what I was asking for. No wonder the claims department doesn't find it urgent... Thank God my dog is stable, but if he wasn't, and if I was asked to pay another $1,000 on top of what I've already paid... I'd probably have to euthenize him. And how heartbreaking would it be to find out later, after he's dead and gone, that his claim IS covered? The bottom line is I know I can spend around $2000 on critical care for my pets. I stretched it to $3000 this time given the uncertainty of the claim. If Embrace is going to cover their care, then I know I can spend $21,000 (including $1000 deductible) and get reimbursed $18,000 (I'm on the 90% plan). But if they don't cover it, anything over my $2,000 limit is financially crippling for me and my family. Why don't they have a "CRITICAL" rushed claims process?? Why don't they have an after hours emergency team?? People get pet insurance to plan for the things that can't be planned for like this. I just don't understand how my claim is STILL pending. As far as the things you can plan for, I'd rate them 5 stars if that were the only consideration. I knew in advance the surgeries for my

It is so difficult to understand the policy. I have been submit a claimed and still pending that I don't understand at all what the problem. There is request the medical records from 7/29/2024 which I don't have a puppy yet. I have my puppy in Jan,2025. He got sick in Jan 29 and I couldn't claim that one because of the insurance that I bought was not kick in yet. But after that still now all the claimed I submitted is still pending.