I made a claim in June and after 1 month I am still waiting.

Overall I am satisfied with the Handling of the Wellness Claims But Having recently increased Premiums without increasing Benefits leaves me somewhat dissatisfied considering the cost of Pet Care has Increased considerably ? An Increase in Wellness Allocation would be greatly Appreciated!!Just Saying!!

I have submitted my pet's records multiple times to Embrace and so has my vet. I keep getting messages that I have to resend them and that my claims are on hold until my vet and myself resubmit the invoices. I have met other people that have Embrace and they never had this issue. My vet clinic is surprised also, as they submit many claims to them as well.

I like the customer service very friendly. I dislike the time frame for getting a reimbursement if any. I dislike the amount you get back for reimbursement. I have upgraded my policy and my reimbursement is still not good.

I’ve been a loyal Embrace customer since 2016, and after nearly a decade of paying monthly premiums, I’m walking away extremely disappointed.

DO NOT GET THIS INSURANCE! ITS A WASTE OF MONEY! If I could give 0 stars I would. We submitted a claim for my dog and they took OVER A MONTH to get back in contact with us, the only reason they did was because we continued to call with rarely having our phone calls even answered. After waiting this whole time they kept giving us the run around and then told us they wouldn’t be giving us any money that we spent at the vet and claimed with them. They wasted our time and money and took advantage of our business. We canceled immediately and I will be sure to let all of my friends and family know not to get this insurance!!

Never seems to cover anything considering dropping had trupanion for other pet they seem to pay more

Filed a claim on June 26, 2025 for vet visit on June 25th. After multiple notes to the vet and myself sending detailed notes still no answer from claims. I called last week and was promised swift process and still nothing. I pay big $$ for an 8 year old cat and the vet visit was under $300.00. I will give them until Friday, 5 weeks post filing claim and if no decision I will file a BBB and Elderly fraud alert. Our vet recommended Embrace so I will let them know the outcome.

Submitted my claim for my pet on 7/2/25. The site keeps saying pending medical review. It's been 25 days and still no answer. Sent an email message inquiring why this is taking so long to make a decision on my claim-----NO ANSWER!!!! Totally unacceptable.

It is impossible to reach anybody on the phone for any reason whatsoever. This is not useful. Whether they are any good as an insurance company or not, which I don't think they are, they at least have to pick up the freaking phone. They give you these long long long long long speeches when you press an option as if you're a flaming idiot who doesn't know how to read an explanation of Benefits and they're obviously trying to prevent you from reaching a human being and I never found out how to reach a human being. I just kept pressing zero forever until somehow it turned into hold music. Then I was on hold for about 20 minutes and I said never mind and I gave up because I don't have this kind of time. I really think these guys suck personally