Embrace Pet Insurance

Elizabeth M 

on BBB

a year ago

This is obviously owned by an investment firm interested in highest profits not protecting pets and owner. My dog has never had a seizure. However because of a question I asked, which was not put down correctly by employee, not vet, seizures are now not covered. I saw letter her vet wrote to Embrace explaining my dog has never had a seizure plus she had had mild gingivitis which home care cured. Every exam lists neurological as normal. However after appeal Embrace chose to ignore the letter and keep a nonexistent condition. ... read more

Eric J 

on BBB

a year ago

I have sent them 5 pages out of 5 pages on a bill for ************animal hospital All they do is ask for more paperwork and won’t act on the claim 

Blake F 

on BBB

a year ago

Embrace has doubled my insurance, I have 2 healthy dogs age 3 and 5 and have never even submitted a claim. They have had insurance for 3 years.... embrace has made good money off me yet we are paying almost 200 dollars a month now. Shame on them 

Ryan K 

on BBB

a year ago

Doubled my rate at the first renewal. No claims. Very scummy business practices. 

Missy S 

on BBB

a year ago

I can't comment on their service however I have received unsolicited text messages from this company stating I have "opted in" because I requested a quote. Not only did I most definitely NOT request a quote, I've never even heard of this company. I don't even have a pet. When I tried to call them on a Saturday early afternoon, I got the usual automated message run around and then was told to call back during normal business hours. Poor business model if it's legit. 

Amy L 

on BBB

a year ago

Scam company won’t reimburse for anything! Everything is preexisting. If your dog vomited once they won’t cover anything 

janelle b 

on BBB

a year ago

like everyone else says: embrace insurance is a total scam. it's a shame you can't select a negative-star rating. they score at the very bottom for me. in two years, my premiums have gone up 230%. two years. i have never NOT had to fight to get a claim paid. sometimes it has worked, sometimes not. mostly not. they just today denied part of a claim from an emergency room visit last week, because the probiotics my vet prescribed along with an anti-parasitic for a cat with horrible, unexplained diarrhea is a "wellness expense."... read more

L. E. 

on BBB

a year ago

What a rip-off. This company continued to bill me for 3 months after I cancelled, and continued to bill me after I requested they STOP billing me and after they promised they had removed my financial information from their system. If that is not bad enough for you, they spent more time making up "pre-existing" conditions that never existed with my cats so "conditions" could be excluded from my health plan (like "diarrhea" or "dilated pupils") then offering to cover anything at all. By the time we got around to processing one... read more

Elizabeth E 

on BBB

a year ago

What a rip-off. This company continued to bill me for 3 months after I cancelled, and continued to bill me after I requested they STOP billing me and after they promised they had removed my financial information from their system. If that is not bad enough for you, they spent more time making up "pre-existing" conditions that never existed with my cats so "conditions" could be excluded from my health plan (like "diarrhea" or "dilated pupils") then offering to cover anything at all. By the time we got around to processing one... read more