I called because I am nervous about pet insurance. The guy said "im not going to answer all these questions for you because you will know once you file a claim". I said I am really nervous about buying and want to know what will be covered etc. before paying. He just kept asking for my method of payment and said "Listen you wont know what is actually covered until you submit a claim and its up to who is reviewing whether they deem it covered or not so lets just get you signed up so we can begin coverage today. What method of payment are we using". Like excuse me??? so you want me to just sign up and its basically just a guess at the end when I submit a claim whether its going to be covered or not. Yes, I can read what is put online but I called for a reason. I wanted to speak to a representative of the company so I could feel more secure and get more clarity. I did not call just so you can get my credit card info, I would have simply done that online. I was so set to buy embrace pet insurance too! I just wanted to feel like I understood the coverage completely so when I do file a claim in the future I am not blindsided. All the person did was read exact what was on the online portion then say "I wont know until I file a claim in the future if its actually going to be covered or not". How can anyone feel safe giving their money to an insurance company who speaks to them like that???? Oh I then asked him to transfer me to another person and instead of transferring me he just put me on hold forever. I hope he gets fired or has to deal with someone who treats him the same way when he is asked for clarity from another company.

If I could give it a zero I would. Every time I turned in a claim they denied me. Said it was preexisting. But my pet’s condition was curable & was not prexziting

I have been trying to get on your page but kept getting thrown out.Do I need to reset my page

why is it required to leave a review before submitting my claim?

I've been with Embrace for about 5 years now to insure my 2 cats, and at first it was great. Submitting claims is easy with a quick turn around time for reimbursement. But things changed over the years as one of my cats started getting older. At this point I am most likely going to have to cancel because their prices tripled. Insuring your cats health should not cost as much as a ridiculous monthly car payment and it might just make more sense pocketing that amount and saving it to pay out of pocket for any future visits. If you have any cats that are getting older with some on-going medical issues, don't be surprised if you end up paying $5000+ a year for Embrace. There needs to be some sort of laws in place for these insurance companies to prevent them from 3x-4x'ing their prices with nothing you can do about it. *EDIT* Since I can't reply to Embrace's comment directly; telling me I can "explore my options and change coverage parameters" isn't exactly helpful. I've already talked to them about my policy and lowered it significantly from what it originally was, this review is based off of frustrations after the fact. My original policy used to be much better. 90% reimbursement with a higher yearly limit and lower deductibles. I've already lowered it to where I can intelligently afford insurance for my pets. Like I said, there needs to be some sort of laws in place for these insurance companies to prevent them from 3x-4x'ing their prices with nothing you can do about it because I know some people that don't even pay these monthly prices for their own health insurance.

Filing the claim was easy & fast. Our account now has upper limit for reimbursement. This claim was for >$9,000 to cover tests that diagnosed Chumley with terminal pancreatic cancer. I believe Embrace will reimburse us the balance of his available coverage, about $400. We will have to rethink renewing our Embrace Insurance.

Dont cover much not pleased with this company so far

We adopted our dog on March 21. Since then we have paid almost $700 in monthly payments and the $250 deductible. This week, we received an email saying that a claims adjuster felt it might be "a good idea" to review Wilda's vet files. Lo and behold, he or she found two "pre-existing conditions." (I will take this up with our vet tomorrow or on the weekend.) Why did it take almost four months for Embrace to review files it got soon after we adopted Wilda Lilly? And after we had paid so much money? Now we are told that she will not receive possibly needed services... This is truly unprofessional. I am probably going to write to Embrace's CEO--as well as advising the medical director of our vet clinic to urge her staff of eight (going up when the clinic expands) to not recommend Embrace. My neighbor's dog is covered by TruPanion and has not experienced any issues like these...

WhIle Embrace in general has been a decent insurance, a recent interaction has lowered my opinion. I was disputing the lack of coverage for a medical test. It was argued that the test was not covered due to pre-existing. However, the test in question can be used for several conditions, not just the one they are not covering. The agent continued to argue with me that it was not covered because of the pre-existing condition. I even asked if it would help if my vet provided more details as to why the test was run. The agent just continued to argue with me. Several emails later, he FINALLY offered a way to appeal. That offer should have been made when I first asked about providing additional information. Very poor interaction and bad customer service. Not what I have come to expect for Embrace.

My labradoodle is 7 1/2 yrs old. And his premium doubled in price from last year to this year. Not very happy. Called Embrace and explained to them that this is a lot. They said because claims by everyone is being filed that we all take the hit. Not right. My other labradoodle uses another company. Premium is cheaper and her coverage is better than my dog on Embrace. There should be rules or laws about taking pet owners to the cleaners because others are filing claims. Why should I pay because of that. Won’t use them for any other pet because of this reason.