I trusted Embrace to protect my cat. Instead, I got an expensive lesson in insurance bad faith practices. The Setup: Monthly premiums paid on time. Comprehensive policy purchased. My cat develops health issues requiring a diagnostic workup. The Gaslighting: When my vet requested basic claim transparency (what's denied vs. covered), Embrace ignored the request. Their adjuster's solution? Have the veterinarian write an appeal letter for review by "our chief underwriter"—the same person who made the original denial. What This Really Means: You're not buying insurance coverage. You're funding a claim denial factory that uses veterinary practices as unpaid administrative staff while hiding behind fake appeals processes. For Fellow Pet Parents: The premiums feel affordable until you realize you're paying for the privilege of being professionally obstructed when your pet needs care. Embrace has turned claim denial into an art form. Bottom Line: They sell peace of mind but deliver bureaucratic warfare when you're most vulnerable. Your pet deserves better. You deserve better. Choose literally anyone else.

Filing a claim for my pet is worse than filing a claim than for myself, the paper work, scanning and emailing. Then there is the deductibles, each illnessee has its own amount and office visits are not covered.

I've not been happy with this coverage, because it doesn't cover items that I believed it would cover, as well the amount of time it takes to actually get a claim paid. I will be looking for new coverage for my pet(s).

The premium just went up again, nothing has changed, Trupanion doesn't pay for much at all. I am disappointed with the service.

This company won’t pay claims. I submitted four claims for one of my dogs. Embrace denied three of them, claiming that they were pre-existing conditions. Review the negative reviews of this company. This is a typical pattern. To add insult to injury the company raised my premiums 38% after the first year of coverage. They wanted $1500 for no coverage. I cancelled and looking for a company that will sell me actual insurance.

I had nationwide since my english bulldog was a puppy. It was doing well until September 2024, when they sent me a letter of reducing the benefits from my policy. Sad enough for me because my boy was 9yrs old that time. I had 90% back and $500 deductible, they reduced to 50% back. It was bad enough because of my dog's age despite of the yearly increase that it came to a point of paying almost $300 per month I got them from my work thru payroll deduction. They do not care on pet's health as they get old, where they were needed most. I called them but they could not give me a good reason, and I only used them when needed or in an emergency situations. I would say " never to believe and trust them, they will leave you when you most need them".

Call me. Sent request. No answer. 8@82607397

Extremely dissatisfied with the service. Payments are slow, and the processing of claims is slow. It makes the whole process unreliable and unsustainable for providing health care for my dog.

The app is not really accessible for visually impaired users and you try to submit a claim using a screen reader the screen just stops working 

I’m still waiting to receive approval…