Embrace has every single document on my dog since birth. I've sent them this information twice but my most recent claim has been sitting in "pending Medical records" for over three weeks. I've cancelled my dealings with them. Terrible to deal with. I've had enough. I'd give them a negative star rating if I could.

I’ve been an Embrace customer for a couple of years, and my recent experience was eye-opening.

When submitting a claim the website is always very difficult to use and trying to select a provider or date takes multiple attempts, extremely frustrating.

Weird to ask for a review before you have even processed the claim. I'll write a better one (maybe) if it is paid!

I have been waiting six months for my claims to be processed and paid out. My cat had to see a dermatologist back in March. It is now September! They have everything they need to process these claims but still nothing has been paid!

UPDATE: The insurance got back to me and is making things as seamless as they can during this loss I appreciate their cooperation I do think they need to work on phone responses but over all I value their empathy and compassion during these situations. Thank you embrace.

Claims process is efficient. But I just got an email that my premiums are being hiked 59% year over year, following a 63% yoy increase the prior year. I haven't even met my deductible this year, so it's surprising to get experience-rated this aggressively.

You were a great company. But when a company jumps from $600/yr to $1200, that's robbery. And one of my cats has never taken a cent from you. Never used up his deductible. The other cat was sick but - for the healthy one - I interviewed other companies that offer exactly what you do and they were $430 approx. So there is absolutely no good reason to stay with you. Unfortunately, my sick cat will have to stay because of his exiting conditions. But I would never bring a new cat to you. There is one company that with take pre-existing conditions at a great price but the first year you must go without any coverage for the pre-existing - and then you can get all the benefits.

Not trustworthy. Do not consider it insurance, more just a discount plan. They never pay their full share, and usually delay any partial payments well beyond what is normal or customary. Not sure how I didn't read the reviews before getting into a policy.

So far since I made the switch to Embrace I haven’t been impressed. The first time I submitted a claim I was getting emailed to explain the issue and my vet had to explain and send in history. My other insurances never was this hard to make a claim. My pay was usually deposited in 72hours. I’m now starting to wonder if I made a mistake by switching.