FYI Folks.... If you have a complaint against this or ANY pet insurance company. You can do 2 things, file a complaint with the Better Business Bureau AND file a complaint with your states DEPARTMENT OF INSURANCE! They are the ones who regulate insurance companies. That includes pet insurance.

Buyer Beware: You will not be able to increase your "Maximum Annual Limit" without reapplying for a new insurance policy (and at that point all current medical conditions will be considered pre-existing). After 14 years of consecutive annual policies with Embrace for multiple dogs, annual policies that went up in cost every single year, and never having even approached our $10,000 annual maximum, we dealt with multiple cancer diagnoses and treatments for one of our dogs. When it became clear that we would be well over $10,000 before the end of the policy year I called to increase the annual maximum and was told explicitly, for the first time, that if I ever wanted to increase the annual maximum I would have to reapply with Embrace for a new insurance policy for this dog and that their cancer would then be considered a pre-existing condition and would not be covered at all. It did not matter if it was done when we were entering a new policy year, either. And this is when I realized what Embrace was all about. I had asked when I began with Embrace if I would need a higher annual maximum and was told then, and in future years when we would adjust our policy by adding a new dog, that I was well covered with a $10,000 annual maximum. When I pushed back with this fact and the unfairness of this policy, they reminded me that I should have read the fine print located somewhere within the paperwork that states their many policies. Then they sent me a box with dog treats and toys and a card letting me know how much they appreciated our loyalty as customers and how sorry they were for our dog's illness. We ended up with $20,000 of necessary medical treatment for our dog that Embrace would not cover because it was over the annual maximum limit of $10,000. What they don't make clear outside of the fine print is that you can never increase that annual maximum amount without reapplying and having all current conditions for your pet considered "pre-existing". We later discovered that there are other pet insurance companies with no annual limits, and we so regretted all the money we paid to Embrace over the years and so wished we had gone with a different company. Dealing with Embrace on this issue was the worst insurance experience we have ever had, at the most vulnerable time of our life as pet owners.

The submission requires a diagnosis and seemingly obvious cases, such as a dog encountering a porcupine, are missing.

Making leave a review gets a bad review

Do not like this company. I’m looking for another company as we speak.

It has been extremely difficult to get my claims approved. I have been going back and forth, submitted all the required documents (including previous vet S.O.A.P notes) and still no response. It's a bit frustrating because not only are we paying for the insurance policies, we're paying vet bills as well.

This was a disappointing experience. The process took a month. I've also learned I was given wrong information when creating this account which could potentially cost me more than $1000 down the road. Lack of training on their part will cost me. New members call back and review your chosen plan with several people before finalizing. Make sure you spoke with someone that knew what they were doing. They love to argue with you, which is the poorest is customer service.

Insane price increases this year. They don’t even cover your pets medical needs, they will find any reason possible to deny your claims. My cats are only 5 years old and they’re being priced out. They lie to you when you sign up and say the average price increase per year is 20-30%, actually it’s much, much higher

Called to cancel our existing policy that we had for 16 years. Was always very happy but the cost became not doable for us. The rep suggested we could take an accident only policy for $2800 for the year. We decided to do that and asked if we could still submit our claims that we had not previously submitted from this year., We were told we had 60 days only to submit our claims. That would have brought us to August 8th, 2025. Today we tried to submit our claims (July 6th ) and we were unable to submit. Im hoping tomorrow when their office opens we will be able to submit our claims as we cannot afford to lose a substantial amount of money due back to us.

Difficult submitting claim