Embrace Pet Insurance

Brett T 

on BBB

5 months ago

After paying premiums for a year, I believe this is a scam! If I could give them negative stars, I would. I have made 4 total claims on my two pups (1 year old and 2 year old - very healthy dogs). Embrace will not pay for anything. They make you gather more and more info and then still say it's incomplete and then they dodge the claims and explain why they won't pay in the fine print. Total waste of money and time! Please save yourself the anguish of working with them. Do not give them your money. This appears to be a scam a... read more

Karin S 

on BBB

6 months ago

I have been a customer of Embrace Pet Insurance for four years, but my recent experience has been beyond frustrating. They denied my claim, stating the condition was pre-existing, despite my veterinarian explicitly stating that the issue had nothing to do with the pre-existing condition they referenced. My vet provided multiple emails with supporting medical evidence, which Embrace completely ignored. They also refused to speak with my vet directly, further delaying and obstructing the process. To make matters worse, after d... read more

Rochelle L 

on BBB

6 months ago

0 stars. This company is a scam. After 9 years as a loyal customer, they raised the premiums from 2024-2025 over 100%. For no reason other than my dog is now 9Years old. If you are thinking of becoming a customer, don’t. I doubt you’ll find embrace or any other pet insurance to be worth the money. This greedy company does not care about your pet, loyal customers or your pocketbook. Shame on you, Embrace! 

Sandeep K 

on BBB

6 months ago

Beware! Embrace and Fraud Are Synonyms – Stay Away from This Company I have never written a negative review before. Typically, when I encounter a bad experience, I try to resolve it directly and find an amicable solution. However, that was impossible with Embrace. I purchased a policy for my yellow lab—my child—a few months ago and followed every rule in their book to ensure that, if and when I needed to file a claim, it would be handled fairly, ethically, and professionally. I submitted all required medical records dating b... read more

Carly M 

on BBB

6 months ago

My husband and I have a 4 year old doing going on 5. We had embrace for 1 year. During that time, they upped our monthly from $63 to $90 a month because of, "inflation". This was the LESSER of the plans. The thing that made us cancel was we went and go our dog his annual wellness visit, which cost us $290. Because we had scheduled our wellness visit 4 days sooner than 1 year due to the vet's scheduling conflicts (we needed our dog to get the flu and bordatella shots in order to keep going to dog daycare), they refused to rei... read more

Mike C 

on BBB

6 months ago

Embrace keeps your credit card info on file. They charged me for my second years insurance, which was fine. However, I don't like companies automatically charging from my card, nor do I want my credit card info potentially hacked. So, I called their customer care number on their web site only to get some AI search engine asking to sign up for a Medicare medical device. It was an endless loop. I hung up, and finally found a number after a Google search that got me to their customer service site. A pleasant women answered the ... read more

Christine W 

on BBB

6 months ago

RIP OFF! My professional obedience dog has a congenital spine deformity that requires SPECIALIZED, licensed physical therapy to correct and maintain her training. We were referred out by our vet. She had 12 treatments, I submitted the claim and "not covered" due to the fact the therapy was not performed by a licensed vet or overseen by a licensed vet under their roof. WHAT?? A SPECIALIZED, licensed physical therapist that focuses on this rehab. EMBRACE told me it would be covered if I traveled 300 miles three times a week to... read more

Amanda T 

on BBB

6 months ago

I adopted a small ex breeder dog from a rescue in GA. She was 7 I decided on Embrace, the policy was over $800.00. August 2024, not long after I took out the policy, she climbed up in the counter. She abruptly fell before I could catch her, landing on her face. Her jaw was broken. I rushed her to my Vet, they said they could not help me & I should go to their Urgent care, they too couldn’t help me, but referred me to a Vet who specialized in that type of care. I brought her in. She was seen by a vet who said that she needed ... read more

Gary J 

on BBB

6 months ago

Reading the complaints I see they do this to everyone. Very slow, low quality service. I’ve had them for two years but still continue to try to add pre existing conditions. This should be figured out before 2 years. I would not recommend them to anyone. I have another pet insurance and they are light years ahead of Embrace. Save your money and go somewhere else. This company is trash.