I was disappointed entirely. I paid for the most expensive coverage snd only got back less than 150 out of a nearly 700 bill. They didn't cover the deposit my vet charged even though that went to the exam fee. They didn't cover any of the shots or tests needed nor any medication. I am entirely unhappy. I found other companies for less money per month that when given the same recipt would cover almost every dollar.

Don’t be fooled by the self described “cute” app presentation, using bright colours and emojis to make it seem like they are your friendly next door pet insurance…This is a sneaky, soulless insurance company that will manipulate and squirm out of any claim it possibly can. Delay. Deny. Defend. I wouldn’t be surprised to see that written in big letters on the office whiteboard.

Don’t understand if you covered the bill, why you only paid less than 300.00 when we had to pay the vet almost 900.00. Not very good insurance.

I liked the first 5 years my dog was insured with Embrace for $55 per month. We had one claim that exceeded our deductible and the process for reimbursement went easily. However, I was incredibly disappointed when my dog turned 5 and we moved to a different state that my monthly premium more than doubled to $120 per montb when other insurers such as Met Life Pet Insurance gave me a less expensive rate, $45 per month, for the same coverage ($15k per year with a $1k deductible) I had with Embrace for the same dog - 5 year old Newfiedoodle. I moved from LA to PHX and all my other insurance costs (home, car, health etc.) have gone down rather than more than doubled.

Make sure u sit through and read every single fine print. They make you pay for the insurance up front which is understandable but don't even think about submitting a claim for the first month it will be denied as they claim to have a waiting period before u can even use their services

$170 refunded for over $1100 in charges. This was vaccines, bloodwork prior to dental (his first ever, no major issues), and the cleaning itself. Not at all worth it.

I would like for you to cancel my policy as soon as possible.

My overall satisfaction with this company is questionable. I have had coverage for my cat for many, many years. He is 18 years old. They seem, at times, to categorize services as wellness sometimes, other times it goes towards illness deductible, etc. My overall experience is they have inconsistent reimbursement, categorizing services randomly.

if I could choose no stars, that's what I would do. When I started my dog's policy back in 2017, I was told I would not be punished for using it but that's exactly what happened when he suffered issues in 2022, my benefits were cut. Now 2 years later, once my dog reached "senior" status, I was offered a renewal at a 45% increase in premium. The security I expected to have until my dog's death was ripped right out from under me, so the next medical issue he has will come as financial decision, not what is best for him. I will NEVER use this company again!!

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