Embrace Pet Insurance

Miranda M 

on BBB

2 years ago

First, they hardly cover ANYTHING in their policies. So you’d be better off saving that policy fee every month in an emergency fund for your pet. Second, good luck getting anyone on the phone! Especially if you want to Cancel your policy. All they give you for cancellation is an email address and even then, there’s no guarantee they read the message. I requested cancellation and a week later policy still not canceled and they kept billing me! Horrible company. What a waste. Do not use. 

Teri C 

on BBB

2 years ago

If i could give them less than 1 star i would They continue to deny claims on our 7-year-old Golden Retriever, who we adopted in November 2019. One month after that while still deciding which Pet Insurance to go with, ( we made a big mistake in choosing Embrace) it was extremely windy in our area, and while he is in the house overnight, he must have been outdoors for a short period and got an ear infection. ( which he has never gotten again) We signed up with Embrace in March 2020. The rate was good and the coverage we selec... read more

Molly L 

on BBB

2 years ago

This company may be affordable but like the saying goes Cheaper isn't better. They have no problem taking your monthly basis but getting a claim processed is a nightmare. Seems they do everything to stale the process. 

Jack F 

on BBB

2 years ago

I submitted a claim for my dog. Gave this company all documents they required. It has been over three months now and no response or reimbursement for the care that was administered. This company is a fraud! 

Andre B 

on BBB

2 years ago

I have 3 dogs, 1 elderly with preexisting conditions that are not covered, I understand that. After a year of not making a single claim my premium gets raised by $150/mo ($1800/year) I will now pay $5400/y for pet insurance. My 2 other dogs will soon be elderly too which means (by this company's logic) I should pay upward of $8k/y. That's WITHOUT preexisting conditions being covered. How is this legal? They are essentially telling me to euthanize my pets or end up living on the streets. They keep bringing up "market price". ... read more

Mirriam B 

on BBB

2 years ago

I am very surprised of how fraudulent this company is. When you think that working in an animal health care should have people with great compassion. They did the same to me. First time asking for a claim last week and they already did last year the medical history. But they are asking those again and delaying delaying for 12 months because apparently there is a precondition ? Patella luxation ? That even my vet never told me about ? They scam people. I think we should sue this company. 

Martin R 

on BBB

2 years ago

After signing up my two dogs I had to submit a claim as Bella had an object lodged in her ear which resulted in an ear infection. I got the runaround following: Denied, reopend, need all pages of bill (already submitted), need to contact vet, need medical history (submitted upon signing up plus initial check up vet visit), then it was deemed a pre-existing dermatology issue and therefore denied. Don't waste your money here. This was a small $60 claim, wonder what they do if you have a larger bill. 

Ana C 

on BBB

2 years ago

I think that they trick you so you can be trap . At the beginning I had my two dogs on the insurance and one of my dogs passed away I called to notify of what had happen . They told me that they will reenvose like 50 dollars and never receive the money. Since last year I stared a claim for my dog and until today I'm still waiting . They keep me waiting asking me for the history midical of my dog. I sent them the receipts on details of what the doctor did to my dog and the cost. I sent the Dr information so they can communica... read more

Florin N 

on BBB

2 years ago

I have two dogs that I have insured with Embrace since I got them as puppies two years or so ago. One of the dogs had an intestinal obstruction and I had to take him to an emergency vet. When I submitted the claim, they kept giving me the runaround, after I submitted all the info they reached out to the emergency facility asking for the same info all over again, then asked for all the pup’s medical records from my regular vet, which they sent them. Now my claim was put on hold for “lack of documentation”. This insurance is a... read more