Embrace Pet Insurance

Paul C 

on BBB

6 months ago

Absolutely Disgraceful I'm a disabled veteran that only used Embrace because **** endorses it. These people refused to acknowledge or process the claim to put my service dog to rest. It was her 3rd claim ever. This company gladly took tens of thousands of dollars from me over years with no claims then refused to acknowledge or even process the 3rd and final claim that would have resulted in a few hundred bucks of reimbursement. I would never in a million years insure a pet with these scumbags. Dear Better Business Bureau, EM... read more

Campbell B 

on BBB

6 months ago

Dishonest and scamming pet insurance practice. They lure you in with lower rate and within 2 years the rate increased by 300% (from $60 to close to $300 PER month) while coverage max remains $5,000. When i called to cancel the plan, they cheated me into staying by offering me a lower rate for "another 12 months" and i specifically asked if that rate was valid for 12 months and they said yes which later refused to honor or share the phone recording. I continued paying $156 something for a few more months with no usage at all ... read more

Rosina P 

on BBB

6 months ago

I have had a policy with Embrace Pet insurance for more than two years, at a cost of $85.79, for a total of more than $2,000. They have turned down both of my invoices for reimbursement for timing reasons, which is absurd. They first requested documents which both I and my vet provided multiple times, dragging the process out for months. They decided that they no longer accept JPEGs or DropBox files somewhere during those weeks. DO NOT EVER USE EMBRACE, unless you want to be effed. 

S. H 

on BBB

7 months ago

I specifically called to inquire about preventative maintenance options for my pets. After paying into a policy suggested by one of the representatives, I was informed that I could not get reimbursed. Before canceling, I was offered the option to pay for another policy that does cover this reimbursement. It's ridiculous that I was paying into this policy for an entire year only to find out that I could not submit my claim for my cat's vaccinations. This feels very misleading, and I feel that I was ripped off. 

Kaio Q 

on BBB

7 months ago

This is by far one of the most dishonest and unreliable insurance companies I’ve dealt with. They go out of their way to deny legitimate claims, using false accusations and outdated or irrelevant information to justify their refusal. In my case, they falsely claimed I had overlapping coverage with a Canadian policy that was cancelled over three years ago—an absurd and baseless excuse. Their behavior suggests either gross incompetence or serious financial instability. Either way, they’re clearly more interested in avoiding pa... read more

Will T 

on BBB

7 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

7 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

7 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

8 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