I wish I could say they were great! it takes long to get their results and they have no idea about animals they care for. They rejected my claim on my puppy saying that diherriea was a pre-condition (from 2 months prior!!!). What puppy survives 2 months of lose stools and they should know better that for puppies it is very common to have bowel issues as they get to anything. Poor judgement.

I filed a claim on August 23, 2025-to date have heard NOTHING except more information was needed about 3 weeks after original claim submitted and after i had to make an inquiry as to status of claim. Information was sent and i have heard nothing so probably canceling

stop asking me to leave a review after EVERY SINGLE SUBMITTED CLAIM

Brutal bad. Pretty much what you are reading reviews to try to avoid. Delays, denials, dumb answers...

its bothersome every minute begging for a review

It’s hard getting insurance for your older dog when another insurance company cancels for no reason. And then the new one won’t cover anything that he had in his whole lifetime. Even if it’s been over a year since he was treated. I feel like with older dogs it’s just hard to get good coverage. I pay a lot to insure him and they find anything way they can to NOT cover the service.

I have been battling with the company to be reimbursed for a groin tumor removed from my dog’s thigh. They denied it because they said it was the same as the anal skin tag diagnosed 2 years ago. I do not get return calls, I am passed from person to person and left on hold endlessly. I have provided a photo from the vet clearly showing the surgical site and stitches, along with the skin tag that is still there on a different part of the body. It is bad enough to have your dog diagnosed with cancer, but to fight for the proper reimbursement is so frustrating and upsetting.

This is borderline a scam -- the insurance portion is alright, but cancelling is a nightmare. The sales rep will do everything in their power to keep you on the insurance. I finally was able to cancel, only to have them reenroll me in another policy a year later? Customer service is pretty much nonexistent or during extremely inconvenient hours (for someone not on the east coast) and there's no way of getting in touch other than reaching out over phone (and being put on hold). Do not recommend, insure your pet with a more reliable and customer friendly insurance like MetLife instead.

Don't know as I sent in claims. We'll see. Not crazy about having to get claims in with in a year even as you're still working on dog issue. I'm still paying so why not take care of claim. I've paid for it.

My dog got bronchitis, took him to the vet. He had xrays and was prescribed antibiotics. I sent the invoice to embrace and was reimbursed in less than a week. Thank you Embrace