They charge almost $40 a month and don’t cover a dime for any vet visit even though it should be covered. They are such a scam do not get them!

It s simply a scam. I been paying ASPCA many years for my doberman as a preventive measure for when my dog gets old and need veterinary care and what happened is that when she turned 11 the monthly payment was raised to 292.53 dollars and when she turned 12 years the monthly payment was raised to 469,86 dollars. I started years before for less than 80 dollars. I been forced to cancel the insurance before she passed away because the total amount covered was less than the cost of the year. If you are thinking to take the insurance for use it when you will need it most think it twice.

I wanna cancel and it’s to difficult

I already spoke to customer service as me tioned below and no help. I started a plan for my senior dog for 125 per month. I received NO communications about this policy and thought policy expired. Instead I came to find they had continued to charge me AND STARTED CHARGING 250 monthly. There is a years worth of charges totalling 3000!!! That kind of money is more than enough to cry about. I never filed a single claim as I though it was cancelled. I spoke to customer service - they offered zero refund. A rich company scamming. Trust broken.

If I could give zero stars, I would. I have had a policy with Embrace Pet insurance for more than two years, at a cost of $85.79, for a total of more than $2,000. They have turned down both of my invoices for reimbursement for timing reasons, which is absurd. They first requested documents which both I and my vet provided multiple times, dragging the process out for months. They decided that they no longer accept JPEGs or DropBox files somewhere during those weeks. DO NOT EVER USE EMBRACE, unless you want to be effed.

I took my dog in for his yearly checkup and the cost for shots etc was $394.00. I had the wellness benefit so assumed Embrace would cover minus the deductible. My claim was denied because the service was on July 11, 2025 and the policy renewal wasn’t until 10 days later. I have been payjng my policy premiums monthly since the inception of my policy. I called Customer Service and was told because the service was before the renewal date that I had met my Wellness Benefit and would not receive my benefit.

I wanted the same coverage for both of my kittens and that is not what happened. Waiting fir customer service help still.

Trupanion was wonderful. I was a little disappointed that I still had to pay for most of the event bill even though I have the 90% plan it’s all the little hidden cost, but it was easy to use and friendly staff when I called.

Stopped answering my emails, after rejecting my initial claim. Now charged me despite I have not updated my credit card information and didn't refund. Anywhere, but here. Total fraud.

Claimed they couldn't get medical records but vet had no record of them contacting. Been a member for almost a year, filed my first claim and within 3 weeks got notice that my premiums were going up 30%. Wtf.