Embrace Pet Insurance

Will T 

on BBB

2 months ago

TL;DR: Embrace used our dog's experience of diarrhea in a shelter as a puppy to establish a pre-existing condition that has lasted 1.5 years despite the infrequency of symptoms (any single admission of vomiting / diarrhea resets a 12-month clock), and recently used it to get them out of covering an exam and x-ray for panting, gagging, and extreme lethargy. This is disingenuous at best, and a shady practice at worst. We took our dog Jeeves into the vet on 3/19/25 a day after he demonstrated excessive panting, gagging, and ext... read more

Lana L 

on BBB

2 months ago

Disappointed with Embrace – Insect Bite Not Considered an “Accident” I purchased accident coverage from Embrace to ensure my dog, ******would be protected in unexpected situations. Unfortunately, when she suffered a clear reaction to insect bites after playing in a field—something any pet owner would reasonably consider an accident—Embrace denied the claim. The veterinarian's note confirmed that her symptoms were consistent with insect bites or stings, yet Embrace still refused to cover the incident under the accident plan. ... read more

Cristina C 

on BBB

2 months ago

Increased policy by a couple thousand every year on top of the $400 deductible that doesn’t cover preventative care, dental, etc. They want over 8k this year & once a dog is 16 they have preexisting conditions other companies won’t cover - so embrace takes advantage of that. TOTAL SCAM 

Dana L 

on BBB

3 months ago

Outrageous premium increase of 400% After 15 years of paying monthly premiums including very minor yearly increases this year they raised my premium over 400%. I went from paying $81/month to the new increase of $322.50/month!! The person I spoke with thought this was entirely reasonable and offered to cancel the policy since I was so unhappy with the change. So yes the service was good for those years but this is how they treat you and your precious pet when they would probably need it the most. Don't fall for this trap 

David S 

on BBB

3 months ago

Horrible pet insurance. Have accident and wellness coverage on my pet. Have had multiple wellness exams that they covered no problem. I requested that they get my animals previous history to make sure his coverage was activated after waiting period. Was told all was good fast forward 4 months and my boy swallowed a piece of plastic and when throwing it up he also threw up blood so I rushed him to a pet hospital. 3 X-rays and $700 later he was given a clean bill of health. THANK GOD. Filed a claim for reimbursement and was in... read more

Colleen H 

on BBB

3 months ago

Disappointed with Embrace Pet Insurance – Denied My First Claim and Raised My Premium I’ve had Embrace Pet Insurance since 2022, paying monthly with the expectation of peace of mind if my pet ever needed care. Unfortunately, when I finally needed to file my first claim, it was denied—despite having active coverage for over two years. To make matters worse, my monthly premium nearly doubled recently, and the only explanation I received was that it “reflects rising veterinary costs.” Meanwhile, I received no added benefits or ... read more

Jeff F 

on BBB

3 months ago

EMBRACE PET INSURANCE ARE CROOKED AND RUN BUY SCAM ARTISTS. Had their top level of insurance on my 2 jack Russell’s for over 2 years filed my first claim 2 months ago for a simple ear infection.They gave me the run for 2 months and denied the claim stating that he wouldn’t be covered because 2 years ago he had an ear infection. Claiming now it’s considered a chronic condition. Then during that 2 months sent me an email pertaining to my other dog stating that they had reviewed his records and and he would not ever be covered ... read more

Ebony H 

on BBB

4 months ago

We have been a faithful customer for 10 years. As our dog has aged our rates have gone up about $5-10 per month each year. But this year our rate went up from $93 per month to $135 per month. I found comparable coverage for my 10 dog plus our new puppy for only $88 per month with another company. Embrace should be ashamed of taking advantage of our love and care for our dogs! 

Kathleen C 

on BBB

4 months ago

I’ve been a loyal customer for 10 years and the company is more than doubling my premiums at an age in my dogs life that will be hard to secure other insurance. So disappointed. They penalize loyal customers. Do not insure with this company.