I’ve had this insurance for two four years I used to have a different insurance that paid better every time you’ve processed your claims this insurance has been going up every year and pay it out less even if you don’t have your dog diagnosed for the correct disease they may have very difficult to get them to pay the full amount The other insurance I used to have with a lot easier to process. I really don’t recommend them so I went ahead and cancel them. It’s just not worth spending the money for two pets when they do not process the paperwork on time claims they request so much paperwork by the time you get done it’s like 30 days to have to wait to process granted you get a military discount but in the long run, it’s not worth it.

This company is incredibly predatory, avoid at all costs. They use past incidents of symptoms (like vomiting and diarrhea) as an excuse to deny claims for completely unrelated conditions, and utilize a blatantly subjective review of medical records - even against veterinary standards & consensus - in order to serve the company’s best interests. Symptoms like vomiting and diarrhea can occur due to MANY different conditions, diseases, and illnesses… that’s why they’re considered SYMPTOMS and not standalone conditions. But if your pet had a single instance of vomiting OR diarrhea within the past YEAR due to something like a diet change, bacterial infection, or just eating something it’s body didn’t agree with, ANY future condition associated with EITHER symptom will be considered a “preexisting” and denied on that basis. Eg., say you took your 4 month old puppy in for vaccines and told the Vet he/she vomited the day before due to getting into the trash or a recent diet change, and then 10 months later your dog needs emergency care for something like acute gastritis, a severe allergic reaction, or poison consumption (even intestinal blockages have been denied on multiple occasions) and vomiting is one of the symptoms, Embrace WILL deny the claim because of the past documented incident of vomiting (some customers have successfully challenged denials for blockages that required surgery after a time consuming appeals process, but those claims never should’ve been denied in the first place… Embrace frequently uses initial denials as a business tactic because they know a lot of people won’t even bother to jump through all their hoops).

This company USED to be a decent company. NOW, it does not respond to emailsm nor calls. No one even answers the phone. We had over $1200.00 in claims and NOT ONE of them are eligible to be paid or for three months they are still "pending". What the negative reviews are stating IS TRUE!! DO NOT sign with this company. I am cancelling today!!! So tired of waiting to hear about "pending" claims though we and the animal hospital have submitted everything that was requested. BYE

Because I can’t reply to your response, @Embrace, I’d like to set the record straight for anyone following this issue. The acquisition of Embrace in late 2023 by private equity firm JAB Holdings, who now owns more than 10 pet insurance brands, should not be ignored. According to JAB’s 2024 Annual Report, their strategy is focused on using acquisitions to drive revenue growth, and they explicitly highlight “above-industry growth” in pet insurance, attributed to “partnership activations,” “premium increases,” and new business writings after consolidation.

The worst!! Price gouging worse than human insurance companies. It’s all a scam. So many better companies out there these days.

I loved this company til they screwed me over. Beware when your pet gets older they price gauge you to the point where you have to leave and you’re left with an elderly pet without insurance. And they don’t even care about it. Nothing was done to make it right. These companies ultimately don’t care about you or the well being of your pet. I will never recommend embrace ever again. Find somewhere else to insure your pets before they get older and they do this to you. My pets insurance went from $60 a month to almost $400 per month. Heartbroken

My policy has gone in ten years from $360.00 per year to $3600.00 per year for the same amount of coverage.

Reply from Embrace Pet Insurance

The customer service is fine, I'm giving this low rating due to the ridiculousness of their pricing algorithms. My pet's policy is set to renew in October and the monthly premium increased 68%! Yes, you read that right, 68%! I don't even know how that's legal? But I'm stuck with the policy since my dog has allergies (a pre-existing condition), otherwise Id go elsewhere. Shame on you, Embrace.

My dog was insured for 9 years. We never filed a claim. The past two years the policy doubled. $45 to $90 causing me to changed the deductible to get it to $70. This year it doubled again to $158. I cancelled it. Crazy. Worse than BlueCross for humans