having a problem navigating and submitting information, finally got out and tried to get back in site, would not load, soooooo tried a different way and finally able to submit my claim. never had this problem before, what is going on?????

This insurance is a nightmare. They never payed off their part, always looked for reasons to deny even though I was with them for 2 years since I got my dog as a 7 week old pup. Spent so much energy appealing every decision, involved my vet who wrote letters of explanations. Now I am done. Canceled the subscription and will never go back there again. I do not recommend getting involved with them even though USAA recommends them. Embrace is terrible, the worst!

Although representatives are nice, they are saying my pet’s visit are due to a pre-existing condition. My vet says it isn’t.

Embrace has been sitting on a claim for my dog since August. Her spay had gone wrong and we were in the ER with her bleeding out. (She's well now.) We'd picked Embrace because their marketing material promises to pay the provider directly. Except you need a secret 800-number to even talk to a live person after hours, and nowhere do they provide this info. Flash forward to now, almost two months later, and we're still waiting for reimbursement for a four-figure vet visit. All of the paperwork has been provided, and receipt has been verified, yet they're sitting on the claim and not replying to queries as to when we can expect payment. We've already switched providers. At this point, I am also filing a complaint with the Better Business Bureau, the Ohio Department of Insurance, and the NAIC. Under no circumstances should you work with this company.

We sent in a claim and it is still in for review two months later.

They are absolutely terrible, do not trust them with your pup insurance they deny, short pay, stall and delay any and all claims. The worst.

I’ve had Embrace for 9 years. The rates appear to go up yearly. A few months ago i sent a note telling them their automated system misdiagnosed my dog’s problem. Almost immediately someone at Enbrace contacted my veterinarian and requested my dog’s entire medical record. I was cc’d. They then denied my claim of lameness for reimbursement of Carprofen, stating that the med was for treating a pre-existing diagnosis.

I bought Embrace pet insurance for emergencies and did not add the wellness package. When my dog had a true emergency at two in the morning (throwing up blood and pooping blood), my claim was denied as “wellness.” This has happened every time I make a claim. Without the wellness package they do not seem to cover anything, so I would not recommend this insurance.

Absolutely disappointed and feeling scammed. I will make sure to warn others.

Claims took forever to resolve. Their pre-existing conditions make insurance worthless. Will be canceling.