Embrace Pet Insurance

James 

on BBB

7 years ago

Wow, I'm shocked at the negative reviews. Are we talking about the same company here?? It kind of makes me wonder. My experience is exactly opposite of these negative complaints. They have covered all my claims very quickly. Submitting a claim is a breeze online. Every time I have called I get a person on the phone almost immediately without wait. They are extremely helpful. There is nothing at all for me to complain about. 

Lacey P 

on BBB

a week ago

I don't often write poor reviews but DO NOT buy this pet insurance. We got a new puppy in January. I mentioned to our vet that he was vomiting after eating dirt. It was noted in his chart. In August, he began vomiting violently and we took him to urgent care. Embrace denied this claim calling it a pre existing condition. This insurance is a waste of your money and unethical. 

Adam O 

on BBB

a week ago

Not worth it. They will find any and all excuses to not pay claims. 

pamela p 

on BBB

3 weeks ago

A week after my dog was attacked by a coyote, I attempted to file a claim online. I could not log in because my username and pw were denied for no reason. Multiple unanswered calls, ridiculous wait times, finally one email directing me to the same 1800 number that no one answers. Four months after I attempted to file the claim, I am still unable to log in. It is still impossible to get phone assistance.and as of 8/22, the email customer support says no one is available. Im owed a substantial amount of money. My premium is $8... read more

Regis H 

on BBB

3 weeks ago

This is a scam. I filed 7 insurance claims in one year. They did not honor a single one. I canceled the insurance, they sent me a notice that it was canceled and then continued charging my credit card STAY AWAY. THEY ARE A SCAM 

Vee R 

on BBB

a month ago

I am so beyond furious right now and cancelling my account with these scammers aka Embrace Pet Insurance. It's like they concoct their own story in their head no matter what proof of information you share with them. I had done an appeal and went above and beyond trying to share that my dog NEVER HAD A HISTORY OF HEART FAILURE but they made up their own story and said "it's clearly shown" that this is preexisting, don't you think I would know if it is. It ridiculous. I will be telling everyone i know with dogs and I know lots... read more

JANINE ANN G 

on BBB

a month ago

Do not purchase pet insurance from Embrace. I increased my policy after the death one of our pets. Submitted several claims for our other pet and Embrace will not cover the claims stating pre-existing conditions even though there was NO pre-existing conditions. DO NOT PURCHASE PET INSURANCE FROM EMBRACE. 

Vivian A 

on BBB

a month ago

????? Extremely Disappointed – Avoiding Responsibility I became a policyholder with Embrace Pet Insurance for my three dogs and submitted all their health records from the start, using the same trusted vet for years. Earlier this year, one of my dogs developed a benign tumor that required removal. Since then, it has been nothing but frustration and delays. Despite providing every document requested — including full cooperation from my vet — the company continuously found new reasons to avoid reimbursing me. Each time I satis... read more

J. S. 

on BBB

a month ago

Terrible service I didn’t know I miss it by one day my policy I thought my courage was supposed to start immediately on 5/20/25 to find out started on 5/22/25 I want some of explanation on this immediately my money refunded