Submitted a claim for the first time and very unhappy on their response to it so far. Refereed to my family member as "xpetx" in their auto fill spot. Tried to log into my account to dispute and got "The service is unavailable". Tried to call but they do not have access to anyone on weekend. See what happens next week.. hopefully can login/speak to someone.

The worst . Very disappointed. They take the premium by never pay out .

They used the fact that the vet did not see a foreign object in his paw, despite the fact there was a very large wound, it was infected, and they needed to clean it out and prescribe antibiotics, as an excuse to deny the claim. They said since nothing conclusive was found, they could not cover the claim. When I pointed out that the vet said it could have been a foreign object, the claims adjuster had no reponse other than to say the vet did not find anything conclusive. I asked what else could have caused a large wound and needed the care that it did. Again no response. I am filing a claim with the insurance commissioner against them. I would love to be able to file a lawsuit against the adjuster personally for fraud, but I'm not sure it is worth the trouble. I might do so just to prove a point. Horrible company.

I have been an Embrace customer for roughly 8 years. I counted myself a very satisfied client up until recently.

they have been great right up until they doubled my premium on my 9 year old domestic medium hair cat. They say it's based on actuarial statistics and promise it's not because of any claims, but it just so happened to take place immediately at renewal after a year of claims due to hypothyroidism. regardless, to DOUBLE the monthly premium is absolutely unacceptable.

I don't even know how to set this up. That being said with no one to walk me through all this, I'm probably going to cancel this very soon. On top of that you send way too many emails I don't even know which one is the right one to click on to even get started if I wanted to. Terrible company, tried to sell me like 5000 other things when I tried to call. Couldn't even get a hold of a human being. Again terrible company will never buy anything from embrace insurance ever again

I am very proactive with my canine kid’s healthcare and an advocate for preventative care. Dental cleaning and the recent removal of a lipoma tumor being removed at the same time, suggested by the veterinarian in case it increased in size where it was located could interfere with his mobility. Plus we avoided an additional surgery in the future. This company qualified both procedures as pre-existing even when I submitted cleaning receipt from a year ago! Tumor is pre-existing??

having a problem navigating and submitting information, finally got out and tried to get back in site, would not load, soooooo tried a different way and finally able to submit my claim. never had this problem before, what is going on?????

This insurance is a nightmare. They never payed off their part, always looked for reasons to deny even though I was with them for 2 years since I got my dog as a 7 week old pup. Spent so much energy appealing every decision, involved my vet who wrote letters of explanations. Now I am done. Canceled the subscription and will never go back there again. I do not recommend getting involved with them even though USAA recommends them. Embrace is terrible, the worst!

Although representatives are nice, they are saying my pet’s visit are due to a pre-existing condition. My vet says it isn’t.