I’ve had Embrace for 9 years. The rates appear to go up yearly. A few months ago i sent a note telling them their automated system misdiagnosed my dog’s problem. Almost immediately someone at Enbrace contacted my veterinarian and requested my dog’s entire medical record. I was cc’d. They then denied my claim of lameness for reimbursement of Carprofen, stating that the med was for treating a pre-existing diagnosis.

I bought Embrace pet insurance for emergencies and did not add the wellness package. When my dog had a true emergency at two in the morning (throwing up blood and pooping blood), my claim was denied as “wellness.” This has happened every time I make a claim. Without the wellness package they do not seem to cover anything, so I would not recommend this insurance.

Absolutely disappointed and feeling scammed. I will make sure to warn others.

Claims took forever to resolve. Their pre-existing conditions make insurance worthless. Will be canceling.

I wish I could say they were great! it takes long to get their results and they have no idea about animals they care for. They rejected my claim on my puppy saying that diherriea was a pre-condition (from 2 months prior!!!). What puppy survives 2 months of lose stools and they should know better that for puppies it is very common to have bowel issues as they get to anything. Poor judgement.

I filed a claim on August 23, 2025-to date have heard NOTHING except more information was needed about 3 weeks after original claim submitted and after i had to make an inquiry as to status of claim. Information was sent and i have heard nothing so probably canceling

stop asking me to leave a review after EVERY SINGLE SUBMITTED CLAIM

Brutal bad. Pretty much what you are reading reviews to try to avoid. Delays, denials, dumb answers...

its bothersome every minute begging for a review

It’s hard getting insurance for your older dog when another insurance company cancels for no reason. And then the new one won’t cover anything that he had in his whole lifetime. Even if it’s been over a year since he was treated. I feel like with older dogs it’s just hard to get good coverage. I pay a lot to insure him and they find anything way they can to NOT cover the service.