DO NOT GET !! WHEN I INITIALLY CALL TO PURCHASE INSURANCE FOR MY PET, I CLEARLY CLARIFIED TO AGENT, MY NEWLY ADOPTED PET HAD NO MEDICAL RECORDS, AND IF I WOULDN'T HAVE ANY DENIAL IN THE FUTURE IN CASE OF AN EMERGENCY. THEY SAID NO! WELL 6 MONTHS PASSED, I TOOK MY PET TO GET CHECKED, THEY FOUND A SMALL MASS. SO I DECIDED TO REMOVE, PAID $1,335. WELL THIS WAS IT. WITH WHAT I WAS TOLD, "I SHOULDN'T HAVE ANY ISSUES WITH THE COVERAGE", WRONG!!! I WAS DENIED BECAUSE I HAVE NO MEDICAL RECORD!! THEY ONLY SCAMMED ME WITH MY MONTHLY PREMIUMS!! DO NOT PURCHASE I HAVE WARNED MANY FRIENDS AND FAMILY TO LOOK ELSEWHERE!! SERIOUSLY

Ridiculous the amount of back and forth with Embrace and what they opted to not cover. Waste of money and will go back to the other pet insurance we use for our other pets.

Their ad says vet visit are covered, recently took my dog for her annual check-up and update her shots, my bill was over $300 and they only paid out $17. With all the premiums I paid out it could have paid for my vet visit. Cancelling my account today

If I could give them zero I would. Made a hasty decision to switch from good long term policy due to rate increase and my friend’s recommendation. Not only did the sales rep mislead me on the significantly less coverage but when I complained they suddenly had a better plan available like my previous. I was instructed to cancel and apply again. After weeks of waiting with no coverage and no return calls, another rep said a letter was coming as that is the main form of communication. They were asking for additional vet exams and tests which I paid for and sent over. The exact same bad service experience happened again after weeks of waiting with no coverage and no return calls, another rep said they would not be covering any policy with no explanation even though I just cancelled theirs. So went online and ordered Pumpkin Pet.

I have had Embrace insurance for about a decade. We experienced a life threatening situation in our lives and Embrace was completely inflexible in accepting claims.

They take forever to process a claim. They will look for a reason to deny it.

I am extremely disappointed with the handling of my pet insurance claim. My dog, oscar recently suffered an ACL tear, which I was informed by a customer service representative would be covered. However, despite submitting all the necessary medical records from 2023, my claim was denied because of a previous ACL tear in 2021. This decision is frustrating, especially given the assurances I received from your staff when I initially called. The information provided to me earlier did not align with the final decision, and I feel that the denial of my claim is unfair and does not reflect the coverage I was promised. It’s disheartening to deal with such inconsistencies when I was simply trying to provide the best care for my dog. I hope the company will take this feedback seriously and reconsider the way it handles claims like mine in the future.

Screw embrace. They use any excuse possible to deny coverage due to pre-existing conditions, even when the vet says in writing that the issue the pet is having is not related to that condition.

Haven't received any reimbursement in the mail and I have been in contact with their support line and still haven't received any on my end.

After years of being a policy holder, they dumped me like a ton of bricks. Will not renew with them.