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.

I have been battling with the company to be reimbursed for a groin tumor removed from my dog’s thigh. They denied it because they said it was the same as the anal skin tag diagnosed 2 years ago. I do not get return calls, I am passed from person to person and left on hold endlessly. I have provided a photo from the vet clearly showing the surgical site and stitches, along with the skin tag that is still there on a different part of the body. It is bad enough to have your dog diagnosed with cancer, but to fight for the proper reimbursement is so frustrating and upsetting.

This is borderline a scam -- the insurance portion is alright, but cancelling is a nightmare. The sales rep will do everything in their power to keep you on the insurance. I finally was able to cancel, only to have them reenroll me in another policy a year later? Customer service is pretty much nonexistent or during extremely inconvenient hours (for someone not on the east coast) and there's no way of getting in touch other than reaching out over phone (and being put on hold). Do not recommend, insure your pet with a more reliable and customer friendly insurance like MetLife instead.

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.

My dog got bronchitis, took him to the vet. He had xrays and was prescribed antibiotics. I sent the invoice to embrace and was reimbursed in less than a week. Thank you Embrace

I like the easy and practical way I can place a claim without difficulty. I love the response time and method.

The response time for Embrace is great, but like any insurance company, they are always looking to tie claims to preexisting conditions which in some situation aren't the case. Just because one of multiple symptoms may be a preexisting condition, shouldn't make the entire claim tied to that one condition. For example my pup had a pancreatis attach which resulted in numerous tests, medications, and a hospital stay. Because he had diarrhea for a portion of the 5 days he was in and out of the hospital, the entire $4500 claim was denied. The nausea wasn't diarrhea related, the ultrasounds, xrays, food enticing medication, multiple pain relievers, all had absolutely nothing to do with diarrhea, yet the entire claim was denied with the rationale of preexisting diarrhea. This is frustrating and feels like railroading. I've actually considered switching insurance companies because of it.

Forget it, too complicated for old people.