Don't know as I sent in claims. We'll see. Not crazy about having to get claims in with in a year even as you're still working on dog issue. I'm still paying so why not take care of claim. I've paid for it.

Website is easy to navigate. Unfortunately, most of my claims are being denied because of so called pre-existing conditions. It would be nice to know what conditions, if any, will be covered going forward. Based upon my experience to date, I am paying a lot in premiums and getting almost nothing back on my claims. We need Obamacare for pets!

Lower your prices to help people who have a limited income be able to afford pet insurance.

If I could give zero stars, I would. We signed up for Embrace Pet Insurance believing it would help when our dog needed medical care, instead, it’s been nothing but a nightmare. After paying over $2,500 in vet bills (for issues Embrace was supposed to help cover), they spent months ignoring my messages and emails. They kept charging us for four full months of “coverage” before finally deciding they wouldn’t cover anything. Our dog was diagnosed with a lipoma (a benign fatty tumor), and somehow, Embrace used that to exclude every single future dermatological condition, including cancer. To make matters worse, they even denied coverage for an acute ear infection, claiming it was related to the lipoma. That’s not only absurd, it’s unethical. I repeatedly emailed and called, and every time they blamed “missing documents” that our vet had already sent multiple times. It’s hard not to feel like this was all just a way to squeeze more money out of us while delaying any real response. We paid hundreds of dollars in premiums for “insurance” that did absolutely nothing. I’ve never experienced such a blatant bait-and-switch. Save yourself the stress and heartache, do not trust Embrace Pet Insurance. They took our money, refused to communicate, and left us with thousands in bills they were supposed to help with.

Requesting a claim is easy. However, they don't let you submit the medical records from your vet. They email your vet and CC you. My vet submitted medical records for 2 dates. They only approved the 1st one. They continue to email the 2nd one. I have emailed them, uploaded my document myself and messaged them. They continue to email my vet and say it will be on "hold." It is a lot of work on your end to submit a claim.

We purchased our fur baby at 8 weeks, he had blood work done by our vet and had elevated liver numbers. He came to us with insurance for 30 days, after that time I switched to Embrace because I had another dog insured with them . Our baby was never sick until over 16 months later and then had pancreatic. Embrace denied the claim because he had a history of elevated liver enzymes even though that had never made him sick. Really check what you are getting because I truely believe this was unfair. I now know there are a few great companies that only have 6 month wait on previous conditions but in my dogs case there was not any previous problems or symptoms except for slightly high liver enzymes.

Frustrating process to receive claims. They have yet to refund my claims and it's been over 4 months.

We insured our dog with Embrace her whole life. The monthly premium started at around $60 dollars and steadily increased over the years. Last year, we paid them nearly $5000 in premiums with barely any claims. On her 12th birthday, they emailed me, telling us we'd now have to pay $733 a month - $8,796 a year for a 10k yearly max. When I complained that there was no point, and that now I would never get close to getting back the thousands and thousands I'd put into the policy over the years, they gave me some different options, but only one set that would still "cover" my dog's recent injury. I use "cover" loosely, since they're still denying the physical therapy claims. I cannot believe that now, as my dog ages and really needs the support, we won't have any help for her or her ailments, after we worked so hard to keep her happy and healthy for so long. It seems like the people who work at this company care, but their model is so broken. Maybe the whole pet care and pet insurance industry is broken. I don't know. But save the money yourself. Set it aside while your pets are young and healthy, so you can support them yourself as they age. Trust me, overall, it will save you thousands.

I got a quick response, but it didn't answer my question. I've asked again twice, but to no avail. ☹️

Embrace is a total scam. You are better off saving the premium money for when your pet needs to see a vet. Despite having received my vet records for the 12 month pre-policy Embrace is still withholding reimbursement for an emergency vet visit due to an insect bite 6 months ago. They are now requesting vet records from 4 years ago so they can keep hunting to try to find that pre-existing condition to get them out of reimbursing me. Beware.