Never seems to cover anything considering dropping had trupanion for other pet they seem to pay more

Filed a claim on June 26, 2025 for vet visit on June 25th. After multiple notes to the vet and myself sending detailed notes still no answer from claims. I called last week and was promised swift process and still nothing. I pay big $$ for an 8 year old cat and the vet visit was under $300.00. I will give them until Friday, 5 weeks post filing claim and if no decision I will file a BBB and Elderly fraud alert. Our vet recommended Embrace so I will let them know the outcome.

Submitted my claim for my pet on 7/2/25. The site keeps saying pending medical review. It's been 25 days and still no answer. Sent an email message inquiring why this is taking so long to make a decision on my claim-----NO ANSWER!!!! Totally unacceptable.

It is impossible to reach anybody on the phone for any reason whatsoever. This is not useful. Whether they are any good as an insurance company or not, which I don't think they are, they at least have to pick up the freaking phone. They give you these long long long long long speeches when you press an option as if you're a flaming idiot who doesn't know how to read an explanation of Benefits and they're obviously trying to prevent you from reaching a human being and I never found out how to reach a human being. I just kept pressing zero forever until somehow it turned into hold music. Then I was on hold for about 20 minutes and I said never mind and I gave up because I don't have this kind of time. I really think these guys suck personally

They raised my rates by something like $75 after being with them for only two years. I was already paying 180 something a month and I'm already using a high deductible with a low percent return (70%) to keep the costs down. Yes I've had claims, but nobody raises anybody's insurance by that much. I've never even had my car insurance go up by more than about $30 and this is simply pet insurance. They're not paying out thousands and thousands of dollars for every incident like a car insurance company and yet they have rates equivalent to car insurance which is insane. They are just like any other insurance company -- out to rip you off. They did a terrible job with our medical history so that something idiotic like "occasionally eats a dead animal" is somehow a pre-existing condition even though I explained to them it only happened once when she was an infant. That's the most ridiculous pre-existing condition I've ever heard of. And then after they had made a full assessment of pre-existing conditions from her medical records, her first claim was denied because they went back AGAIN and searched even harder to find a reason to deny it. All of a sudden now her arthritis isn't covered even though she didn't develop it until after I started working with these morons. They are cheats and they are liars and they have terrible customer service.

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.