Embrace Pet Insurance

Russ D 

on BBB

11 months ago

I wish I could give this company 0 stars. I have been paying 10 months into pet insurance that I learned I could not use. When it came time to file a claim, Embrace was not there for me or my precious cats, and actually tried to squeeze $400 more dollars out of me to get an 'add on' that was what I thought I was paying into for basic care. BUYER BEWARE! Embrace... neither pet, nor people, friendly. 

Nicole s 

on BBB

11 months ago

This company is unbelievable! They’re more than happy to take your money when you're paying your pet’s premiums, but when it comes time to actually use the insurance, they put you through endless hoops. First, they claim you didn’t have an exam within the last 12 months, sending you on a wild goose chase. Then, after you and UCD have sent them the necessary receipts three times, they’ll claim they didn’t receive them. Next, they argue that you don’t have coverage under Part 3 (Coverage), Section A for Physical Exams (which, ... read more

Pat C 

on BBB

11 months ago

I insured my English Cream Golden Retriever in early June of 2024 when she was 14 mos old. She suffers from diarrhea from food allergies and thats about it. They have turned down claim after claim for Jenny. And I let it go until she had a urinary tract infection. That was turned down even after my Vet wrote a note stated she had never suffered a previous condition. They first claimed that licking her vulva when she was a puppy indicated a previous condition. My Vet wrote a letter indicating the behavior as a puppy did not i... read more

Nancy R 

on BBB

a year ago

I live in Mississippi & was told by the salesman insurance would not kick in for 6 months. I had them take out $77 mo from Feb thru June. I’d not sent in all his info because as I understood it,l he didn’t have coverage. My bank TH0UGHT they found a fraudulent claim on an Amazon purchase & stopped my debit card. This stopped my payment. Embrace cancelled my insurance. As I had this set up as automatic I had no idea it wasn’t being paid. They will NOT let me reinstate without ANOTHER 6 MONTHS WAITING PERIOD FOR CERTAIN CONDIT... read more

Lucille M 

on BBB

a year ago

BAD FAITH INSURANCE COMPANY. On the Embrace website there is a testimonial written by- no kiddin'----a claim's adjuster for---(wait for it) Embrace Pet Insurance Company. It tells how her retriever puppy ate ibuprofen and needed emergency care because of "his naughty behavior". It claims "all retrievers are naughty..(!!)And Embrace paid her claim in two days. When my dog, Clooney, chewed the lid off a bottle of Aleve, my claim was denied--- bloody vomit and bloody diarrhea was declared an illness not an accident. It cost ove... read more

Joe A 

on BBB

a year ago

All seemed good and the premiums the first year were okay. Had 3 claims the first year, all for ear infections and, even though we didn't get past the deductible, they raised the rates 60% for the second year. Of course they will say it has nothing to do with the claims, but of course it does. It is 100% about the claims. We figured out the ear infections were food allergies (new puppy) and will likely never happen again, but the damage was done and they had no problem jacking up the rates. I'll take my chances and bank the ... read more

Frank Q 

on BBB

a year ago

My first claim took almost 45 days while they looked for a loophole to deny the claim. After I complained they realized they had unfairly denied the claim and paid it, but they made me wait six weeks. My Rocket is a two-year old rescue Chihuahua. I disclosed to Embrace in November 2023 when I insured him that he was a rescue dog and his medical history was limited. Seven months into the insurance (June 2024) the dog was throwing up, not eating and his stomach was growling, so I took him to the vet and filed a claim. Upon rev... read more

Barbie S 

on BBB

a year ago

Worst ever. Embrace rated number one but after spending almost 2,000 dollars on my new puppy due to BIRTH DEFECTS that were not evident at first but after she was two months old started to surface Embrace is saying it is preexisting and refusing to pay a penny. My vet even wrote a personal letter explaining this and they are still saying not in waiting period and is preexisting. My Vet and I have done and sent everything Embrace has requested. I just cancelled my policy on her. So go with another pet insurance and stay away ... read more

Patricia C 

on BBB

a year ago

This company is outrageous. I gave them one star, but they don't even deserve a single star. I had two policies with Embrace. I never missed a payment on either policy. When my chihuahua, Lucy, got sick and passed I submiited all of the documentation to them. They did not cover or pay ONE CENT. They said it was a pre-existing illness. Lucy passed from a torn heart valve. How is this pre-existing, or anything other than a direct cause of death. They are horrible. No empathy, compassion. They should not be allowed to continue ... read more