Just like any other insurance company out there. “We‘ll cover the small stuff.”. God forbid your furbaby gets a rare disease like ours did. They just went “Sorry! It’s now not covered by our policy!”

Starting the process was easy however I kept receiving an error message in the diagnosis section. I was trying to write what was on the paperwork I receive from the vet.

This company is a scam. They take your money and refuse to cover anything. We have had all our claims denied. While they will give a pretty answer the result is you getting screwed over and they walk away with a smile! They are dishonest about the waiting period upon when you purchase the policy and it's definitely set up as a "gotcha" policy. Heads up to if they claimed they haven't received your forms for a claim submission its a sign that aren't wanting to pay out. Plus they will change the waiting periods after they find " Pre existing conditions" and use it to not pay any claims. They need to be investigated especially for taking advantage of honest pet owners who want to provide the the opportunity to give their pets vet care. How horrible?!?! All those policy holders who believe they are covered when they arent and find themselves out a few thousand while having to deal with some narcissist cracking a fake smile!

First claim was easy, her first set of shots. This one which was for a $550.00 emergency service has yet to be resolved since 6/14. Horrible customer service by a gentleman I spoke with when I called. Listening should be a key component of service not arguing. This procedure was performed by an emergency clinic but they are still asking for records from the primary. All paperwork has been submitted numerous times diagnosis with detailed info, what procedure was performed and invoice, but still no resolution. A waste of time and energy for $45.00. I never write bad reviews but will end up cancelling my policy. Really disappointed. This claim has lasted longer than a month.

The Embrace program, benefits and costs were remarkable! Trying to get the vet notes, medical records, and claims over to the review people were terrible! No one would make it easy to get the records to them, therefore they don't have to pay any claims! The vet emailed, faxed, and called but Embrace said they have no records that any of that occurred. I emailed twice and called 3 times and they said they didn't have records of those either. Finally talked with the salesperson that had us email her directly and she took care of the problem. The email addresses and fax numbers were correct and she couldn't figure out why the computer wouldn't accept the previous attempts. I quit Embrace after that! I do not recommend this company! It took one month and a lot of hassel to resolve this issue.

I submitted my first claim after almost 2 years of Embrace Pet Insurance and they told me the emergency hospital. I took my dog to with a $400 bill. They don’t deal with that hospital. What the heck is that all about? I am definitely switching insurances and if you were smart, you’d read the fine print. I’m done.

I was kind of little shocked when i inquired about the bill for teddy. I asked the gentleman why i was charged 200 something one charge then another 600 again right away for his coverage. We have been a policyholder for Teddy since he's been 9 weeks old. He told me well that raise increase because our pet is getting older, well no dam kidding. That's why we got the insurance in the first place. I have insurance on myself and as a human I have more risk as i get older but my damn insurance does not increase! It stays at the same rate. When we got insurance we thought we got the best plus its associated with my other insurance USAA. I really do not understand this big of a increase from the time we started to now.

I'm a disabled veteran that only used Embrace because USAA endorses it. These people refused to process the claim to put my service dog to rest. It was her 3rd claim ever. This company gladly took tens of thousands of dollars from me over years with no claims then refused to acknowledge or even process the 3rd and final claim that would have resulted in a few hundred bucks of reimbursement. I would never in a million years send another dime to this company or refer them business.

Warning to all considering this insurance company. Our 1 year 2 month old puppy sustained and unspecified injury to his right hind leg, most likely during late night rough housing as it was not observed. After 24 hours we brought him to the urgent vet to determine the extent of the injury. With X-Rays complete the vet noted the injury location and signs/symptoms. During the claims process, embrace decided to correlate one symptom, "Limb Lameness" to a disease/illness to avoid paying an injury claim during the first 6 months of the policy. We were the told to reach out to the urgent care to explain Embrace's claim in which they explained back to us our note repeatedly identified this as an injury and would not provide additional documentation because their notes were sufficient. We had this reviewed by Embrace's claim management team and were directed to get a follow-up with our vet and appeal. Another $100+ we have submitted the documentation they wanted. Our Vet confirmed that Embrace's notes did not make sense and the urgent vet notes were sufficient. They completed a follow-up exam and verified no indication of illness at this time. We have canceled the policy and warn all those that intend on using this insurance company. Response to embrace response: The pre-existing conditions policy is used to side step the injury coverage vs illness coverage. Be warned that this company will self diagnose your pet without seeing them regardless of your vet diagnosis to ensure the injury symptoms are covered by an illness. This puts the injury if applicable into the 6 month pre-existing window. For context this injury occurred 2 weeks prior to the ending of the 6 month window even in the event of it being an illness, this company is not interested in taking care of their customers.

They have continually not followed through with promises made to me when signing up for their service. I should have realized what they where offering outside of what was in writing was BS but I figured since USAA directed me to them they would be trust worthy. I am looking into other services….. not impressed