I recommend any pet owner I know to get pet insurance; however, I will never be recommending Embrace. My monthly premium on my dog went up almost $20/mo….on my only THREE year old dog. They say the increase is due to inflation and age but I have a hard time believe inflation caused this much of an increase and my dog is not old. We have a few emergent visits this year, so I feel like even though they claim to not increase due to useage, they absolutely have. Unfortunately I’m stuck with them if I want insurance since now she will have to”preexisting conditions” as a new pet on new insurance.

I started with them when my dog was 6 months old. At that time, I was paying about $50 per month. Now, he is 8 years old, and I pay $193/month.

When I first called in and a gentleman answered, I asked them was there anyway that he could waive the $25 for the first time he told me no didn’t even explain why he was snippy and the fact that you have to spend $25 is absolutely ridiculous so I’m going to be canceling And I found another company that would wave the set up fee for me and they are a lot nicer. The only reason I was asking is because I’m fighting cancer and that alone is expensive.

I was told multiple times that I had exceeded my annual limit when in fact I had not. I wasted 2 hours of my time telling adjusters how to do their job. Luckily I work in the insurance industry. I was owed way more than what I received. It eventually did get fixed, after 2 hours of phone calls and 5 days later.

Not happy with increasing premiums. Also general information should be kept in my pets file with you so only minimal documents have to be submitted. Especially in the case of continuing prescriptions.

This was free with Walmart plus membership. It has so much potential but really lacks a lot. A telehealth platform for pets is a great idea whether it's free or there's a small fee. Pawp is free but in my state they cannot dispense prescriptions...so I ask "why bother??!" The point, in my opinion , is to save a vet visit fee and just have to pay for a script. A fine service if it were designed that way. So in order to get money they recommend and provide links of pet items you can use from Walmart...or their emergency insurance , which "no thank you, I'm not a circus performer, and jumping thru any hoops" for that offer ....I'm okay with pushing Walmart pet items if thats in conjunction with vet service that includes a prescription.

You cannot cancel unless you call and they try to keep you on the phone as long as they can for no reason. Additionally, they will deny any claim that they can and then give you fake money, towards nothing, as a consolation prize. I definitely do not recommend this company and the fact they they claim to represent USAA is horrible.

Was hard to confirm if I was approved or denied for insurance.

Spot's Gold Plan provides for coverage of several important annual vaccines. To be reimbursed, however, Spot requires 2 years of prior Vet care notes.

Originally I loved lemonade and used them for home and pet insurance.