Embrace Pet Insurance

Jo L. 

on BBB

a year ago

I secured pet insurance for my dog in 2020 and my premium at the time was said to be based on his age, our physical location (it was California back then) and coverages. The premium was $32.27 per month. In Feb 2021, at the renewal we had relocated to Rhode Island and the premium was $28.51 (lower because RI was quoted as lower). The premium in Feb 2022 was $33.50 and Feb 2023 $38.60. All the coverage remained the same. Then we got our renewal for this year and the premium jumped from $38.60 to $61.30! Nothing had changed in... read more

Jo L 

on BBB

a year ago

I secured pet insurance for my dog in 2020 and my premium at the time was said to be based on his age, our physical location (it was California back then) and coverages. The premium was $32.27 per month. In Feb 2021, at the renewal we had relocated to Rhode Island and the premium was $28.51 (lower because RI was quoted as lower). The premium in Feb 2022 was $33.50 and Feb 2023 $38.60. All the coverage remained the same. Then we got our renewal for this year and the premium jumped from $38.60 to $61.30! Nothing had changed in... read more

Sheri D 

on BBB

a year ago

I'm sharing my disappointing experience with Embrace, marked by a questionable appeals process, selective use of information, and a blatant disregard for evidence. The appeals process appeared intentionally convoluted, with Embrace consistently ignoring solid evidence disproving their claim of a pre-existing condition in my pet. Despite a misdiagnosis by our initial vet and a second opinion confirming the error, Embrace refused to acknowledge the correct diagnosis. Adjusters and underwriters at Embrace selectively choose wor... read more

Robert L 

on BBB

a year ago

This company literally tries to find every reason not to pay a claim 11 months ago vet left a remark that my dog had noisy breathing which could literally be anything he wasn't treated for it wasn't diagnosed so embrace deemed noisy breathing as a temporary preexisting condition 3 months ago my dog was in accident with four wheeler he seemed fine so left it go a week after noticed he was getting some discharge out his nose and was actually having a little trouble breathing threw his nose so took him to vet where they did ct ... read more

Neal H 

on BBB

a year ago

I am very sad to write this review today. For the past year my wife and I had been extremely happy with our Embrace coverage. As a family with six cats, we were impressed with how quickly Embrace would respond to emergencies once the initial claim is processed. When our beloved cat ********died, we were reimbursed nearly $10,000 of what turned out to be his end of life coverage fairly rapidly. Unfortunately, our experience renewing our insurance has not been similarly pleasant. Going from 6 insured cats to 5, we expected our... read more

Jessica G 

on BBB

a year ago

They will do whatever they can to get out of paying you for basic care. My cat was experiencing a food sensitivity prior to enrolling him in this insurance (a half year prior). His main symptom was vomiting. Not surprising, humans often vomit when they ingest something they're allergic to or sensitive to as well. The vet suggested that we try a different food, I changed the diet, the vomiting resolved. At his next vet appointment, the chart clearly establishes that there WAS vomiting that was resolved by changing foods. Seem... read more

Shannon S 

on BBB

a year ago

THIS COMPANY IS A SCAM!!! I'd give zero stars if I could. Everything about it! The policies are completely useless; there are so many "fine print" items that are not covered and they are looking for any reason to not have to pay. I spent $792.24 over a period of 3 months + vet bills and they reimbursed $395.38, majority of that I had to fight. Mind you, I was paying for 90% reimbursement! That's a difference of $396.86 and I get a whole $20.00 in prorated funds to cancel the policies. The representative and supervisor refuse... read more

James T 

on BBB

a year ago

Total scam. Embrace denied to provide coverage for a dental issue because the ***** *******could not provide detailed records on a rabies vaccine, as if a ***** ******* keeps detailed records on a free vaccine ;-) I cancelled and will move to **********as it is obvious they wont pay if any issue. 

Lucy H 

on BBB

a year ago

If I could leave zero, I would. This organization is a sham. My nine-month old yorkie puppies are babies. I uploaded all their vaccine histories and spay/neuter records. They don't have a medical history other than that. Last Friday, I had to take two of them to an ER vet because we suspected they swallowed Tylenol. They had to stay at the ER Vet all day and follow the poison protocol. I uploaded the receipts/filed claim from that visit, which triggered more than 15 auto and human-generated emails from Embrace, mostly about ... read more