While I appreciate the idea of insurance...I have struggled to understand what is and is NOT covered. I thought that an injury/illness would be covered up to the % we selected - not subject to the deductible - which seems to be applied to our wellness plan. It is somewhat confusing.

I've used Embrace for seven years and have no complaints about the coverage or reimbursement process, but for the second year in a row the premium for one of my dogs has spiked significantly. I always expect a slight price increase from year to year, but having one dog's premium increase from $190 to $370 per month is outrageous. No amount of demurring about a dog's breed, age, the longevity of the policy, or vet care cost increases can possibly justify this kind of price hike. I'm disappointed that Embrace is choosing to do this, especially given that pre-existing conditions aren't covered by other insurance carriers, which essentially locks current clients in regardless of predatory rate increases.

USAA RECOMMENDED, BUT AFTER A YEAR OF PREMIUMS, SUBMITTED FIRST CLAIM AND DISCOVERED EMBRACE PET INSURANCE SUCKS, SUCKS, SUCKS, SUCKS, SUCKS, SUCKS. REDUNANT EMAILS, REDUNANTS SUBMISSIONS OF CLAIMS, REDUNANT DENIALS. BEST ADVISE. DO NOT USE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! EMBRANCE HAS NO PROBLEMS COLLECTING AUTOMATIC PAYMENTS, BUT FAIL TO PROVIDE COVERAGE. USE NATION WIDE!

Claims are processed and paid pretty quick. Customer service is good. Three stars is because they raise the premiums greatly annually at policy renewal. Like 100% increase. The only way to lower it is to reduce benefits. Eventually, it just won't be worth having.

I have an issue with rejection of a claim for an injury and have called several times and ask to speak with supervisor and no one has returned my call or addressed the issue. Very time consuming with a new oup

Exceptionally poor communication timing and lack of accurate directions. Two months to resolve - unacceptable

I sent documents regarding my pet’s previous veterinary care and received a message stating that my claim could not be completed due to no documentation

Embrace finds extremely far-fetched reasons to deny claims, and fights tooth and nail against paying what they owe.

The worst pet insurance company After 3years of paying them almost 4000 They would give us only 200 on the 1200 bill We dropped them Look into Costco pet insurance much better priced and up front with what they cover

Not many regrets in life, but using Embrace is one of them. Since my dog had a bit of food intolerance/allergy when he was little they’ve claimed anything gastrointestinal is a pre-existing condition that they won’t cover. Now faced with the prospect of stomach cancer at age 10 and Embrace won’t even consider scans as something that would qualify. Paid thousands to this company over the years and have never had a single cent back. My vet is even shocked about what they are claiming and using as an excuse.