I trusted Embrace to protect my cat. Instead, I got an expensive lesson in insurance bad faith practices. The Setup: Monthly premiums paid on time. Comprehensive policy purchased. My cat develops health issues requiring a diagnostic workup. The Gaslighting: When my vet requested basic claim transparency (what's denied vs. covered), Embrace ignored the request. Their adjuster's solution? Have the veterinarian write an appeal letter for review by "our chief underwriter"—the same person who made the original denial. What This Really Means: You're not buying insurance coverage. You're funding a claim denial factory that uses veterinary practices as unpaid administrative staff while hiding behind fake appeals processes. For Fellow Pet Parents: The premiums feel affordable until you realize you're paying for the privilege of being professionally obstructed when your pet needs care. Embrace has turned claim denial into an art form. Bottom Line: They sell peace of mind but deliver bureaucratic warfare when you're most vulnerable. Your pet deserves better. You deserve better. Choose literally anyone else.

This company won’t pay claims. I submitted four claims for one of my dogs. Embrace denied three of them, claiming that they were pre-existing conditions. Review the negative reviews of this company. This is a typical pattern. To add insult to injury the company raised my premiums 38% after the first year of coverage. They wanted $1500 for no coverage. I cancelled and looking for a company that will sell me actual insurance.

Paid premiums religiously. When my cat needed diagnostics, I got a masterclass in insurance bad faith instead of coverage. What happened: - Entire diagnostic workup denied under blanket "pre-existing thyroid" excuse - No breakdown of what was actually denied vs. covered - Unrelated imaging and consultations were lumped into the rejection - Second claim delayed for weeks as "pending medical history" despite records already on file - Forced my vet to re-send identical documentation they already had The punchline: When my vet asked for claim itemization, Embrace went silent. Their "appeals process"? Make the veterinarian write a letter that goes back to the same underwriter who denied it initially. Translation: You're not buying pet insurance. You're funding an elaborate claim denial operation with a fake appeals process designed to exhaust you into giving up. Save your money. This company sells protection, but delivers a professional runaround when you actually need them. UPDATE: 9/8/25 My response to Embrace’s public statement: Embrace says they’re “upfront” about coverage and that pre-existing conditions are “determined directly from the notes provided to us from your veterinarian.” That is not true in my case. My veterinarian emailed Embrace directly and pressed them for itemization of which charges were being denied, the dates of those charges, and the justification for tying them to hyperthyroidism. Embrace ignored her request and issued blanket denials anyway. If Embrace were truly using the vet’s notes as they claim, they would have answered my vet's questions instead of dodging them. This shows Embrace is not being transparent with policyholders or veterinarians, despite what they write in their template replies.

Normally I have no problems with my claims however I was unable to submit the claim through the regular channels and had to send the information email. I have been asked numerous times fir the diagnosis for this claim for Boo and have replied. I have now just resulted the entire thing because now the suit claim process is working which unfortunately is not always the case. I hope my resubmission helps

Embrace is great. I love that I am a member for 15 or more years. Very good to us. Yesterday though was the first time someone said they were going to send me a spread sheet of my dogs, Lexi, Jake, and Kings charges( how much did we spend on each dog). I told him that we need an idea of the charges to make an informed decision on picking a new policy. I have not received this spread sheet. This is the first time this has happened. I was being encouraged to maintain the 10000 reimbursement when I am trying to decide on the pricing. The amt has gone up and I need to review my option I was hoping for someone to help me with this issue. No help and no spread sheet. I have been a member for a long time. This time it was a little different than what I expected. Thank you Elizabeth Bandomer PS I still want the spread sheet

The rates have gone up an average of 30-40% every year. This year for my 2 dogs it is going up 258%. It is going from $138.09 to $356.39. One of the dogs went up 320% because he turned 10. The other is only 4 years old and went up 55%. Despite what they say in their reply it is not true. My 10 year old has been insured since he was a puppy. He has never had a surgery! He las low thyroid and arthritis, that’s it!

My Pet has been with Embrace since he was born and their service has always been a five star experience. Up until I had a claim from 2023 that I realized I never submitted due to ongoing hospitalizations, having two strokes and now I suffer from seizures. When asked if they could please make an exception, the representative placed me on hold for several minutes to ask a manager. I was then asked if I had other claims I planned to submit and I said yes (2) . Due to a recent dental surgery my baby needed. He had abscess, bloody stools etc. She then placed me on hold again, came back and said they would not honor the old claim. I was full of disappointment because I have not submitted any claims since 2021. My plan increases from paying 54, 70 and now to over 120. I just told over the phone I hope you feel better. I just don’t understand where the compassion within this conversation was and ended. I’ve been in the Healthcare industry for over 25 years and I would do everything in my power to help a patient and within the community.

I have been with Embrace for about 11 years now. I currently have 3 cats insured and I had 1 cat who has passed, who was also covered throughout her life. Up until recently, I would rave about Embrace and recommend them to anyone looking for pet insurance. My policy is set to renew in a few weeks and I recieved the new documents for the upcoming year and to my surprise, my premium was doubled, without warning. I spoke to an Embrace representative, and the policy for my oldest cat went up substantially. The representative told me it was due to age (my cat turned 12 this year) and they could "look into ways to reduce the cost" but in doing so, the coverage would be decreased as well. To say I am disappointed is an understatement. My oldest cat had some major health issues in the last few months and we almost maxed out his benefits for the year in a matter of weeks. All of my pets have been insured with Embrace since they were young (all before they were 2 years old). There have been many years that we did not make any claims for the year, beyond their wellness rewards. I insured all of them with the maximum coverage available, knowing it was an investment for their future. Though they didn't need the coverage as much when they were young, I knew as they got older, they would, and I wanted to be prepared to take on any medical issues that came up. Now I feel that they raised the premium for my oldest cat based on the medical issues that came up recently. His medical issues were not pre-existing and up until he got sick recently, we again, hadn't used his insurance beyond his wellness needs. This price increase seems directly linked to his recent illness and I have no choice but to pay their ridiculous increase, so that my boy will have access to the medical help that he needs. Embrace also knows that if I cancel my coverage to look for a different insurance company, all these current illnesses would be considered "pre-existing " and they would not be covered with a new policy. My cat who passed away, who was also insured with Embrace, was 15y when she passed. Not once did Embrace increase her premium due to her age, like they are claiming is the reason for the new increase for my boy. But she also didn't have as many claims in her golden years as her brother is having, which seems very suspicious. My cat has been insured with Embrace since he was 6 months old. I've paid thousands of dollars over the last decade to Embrace, and now that we need the coverage they are doubling what we have to pay just to keep him insured with the same amount of coverage that he has had his entire life. I feel scammed and I know I have no choice but to pay because he needs to be insured. Embrace, please be more clear in your policy that if your pet becomes ill and uses too much of their insurance, you will increase the price to retain the same amount of coverage. That should be known to customers upfront since pre-existing conditions limit the cover

Poor , not very good insurance

I've had embrace pet insurance for years. Never had a claim...never missed a payment. Rates started going up, $80 became $130...terrible..everything's going up..I get it... my dog is now getting older now and they just increase his coverage to $336 a month, if I change to lowest coverage its $160 a month for basically no coverage. Pricing my dog out of care. They know what they just did, that's why they sent me a letter saying what they did is legal in the state of Colorado. STAY AWAY FROM THIS COMPANY Please read the lies they sent me as a reply before you sign up for this company, because thats what you will get if you give them money, LIES