This is a total SCAM. I filed 7 claims over the course of a year, and ALL of them were denied. I canceled the insurance and the confirmed that it was canceled and then continued charging my credit card. STAY AWAY!

While I appreciate the idea of insurance...I have struggled to understand what is and is NOT covered. I thought that an injury/illness would be covered up to the % we selected - not subject to the deductible - which seems to be applied to our wellness plan. It is somewhat confusing.

I've used Embrace for seven years and have no complaints about the coverage or reimbursement process, but for the second year in a row the premium for one of my dogs has spiked significantly.

USAA RECOMMENDED, BUT

Claims are processed and paid pretty quick. Customer service is good. Three stars is because they raise the premiums greatly annually at policy renewal. Like 100% increase. The only way to lower it is to reduce benefits. Eventually, it just won't be worth having.

I have an issue with rejection of a claim for an injury and have called several times and ask to speak with supervisor and no one has returned my call or addressed the issue. Very time consuming with a new oup

Exceptionally poor communication timing and lack of accurate directions. Two months to resolve - unacceptable

I sent documents regarding my pet’s previous veterinary care and received a message stating that my claim could not be completed due to no documentation

Embrace finds extremely far-fetched reasons to deny claims, and fights tooth and nail against paying what they owe.

The worst pet insurance company