Embrace Pet Insurance

Katrina G 

on BBB

3 years ago

Embrace refused a claim for my bet which was covered by the insurance. They will find every reason to not pay a claim. 

Andrew H 

on BBB

3 years ago

Like many insurers, they will bend every word and phrase in the insurance agreement to their benefit in order to deny coverage, and they have provisions in their policy that are one-sided and irrational to the point of absurdity. Then they'll lay on the fake sympathy when they tell you how disappointed they are that they can't cover your claim. Our dog had a sarcoma between her toes removed in January 2022, several weeks prior to signing up with Embrace, so we understood and agreed that was a pre-existing condition for which... read more

Stephanie B 

on BBB

3 years ago

Embrace promised to be a different insurance company. They said their rates would not skyrocket yearly. Boy are they LIARS. Just this year they are raising my premium by close to 50%. All they give you is excuses and lies. They STINK! 

Violet S 

on BBB

3 years ago

No idea how they have so many stars because our experience was TERRIBLE with them. What customer service other than a game of passing the buck and telling me to contact other people? A different person each time, too. They offer a guarantee of a medical review within a certain timeframe that never got honored and they kept charging us monthly (for 4 months) despite not following through with anything. I cancelled but they kept charging us. This company is a SCAM. Don't sign up with them because they will keep your money whil... read more

Nicholas S 

on BBB

3 years ago

As comforting it is to have health insurance for my cat, the rate increases are atrocious. I insured my pet a year ago, passed all of the inquiries and waiting periods, paid on time every month, and this week, I received an email explaining that my monthly payment will be increasing by almost twenty bucks for this coming year. When I called and asked about it, the representative explained that the rates increase by 25-35% per year due to the pet's age. Let me repeat that: 25-35% PER YEAR. At this rate, my cat's health insura... read more

Dawn B 

on BBB

3 years ago

The customer service is extremely lacking. Very helpful When they’re looking to sign one up,not so much after the fact. 

Della W 

on BBB

3 years ago

Vet faxed over orthopedic check up for my 2yr sheltie on may 18 /22 I called a week later they said never got it.So they faxed over again same answer not received.So now it is May25 and they said vet did not put date on it and they never received My sheltie check up paper work. They had my vet on phone for 45 mins.going over orthopedic report.Now I remember why I cancelled my account last year for the same reason. I even haved proof that papers were received I paid 20.00 at ****** ***last year 

Anthony M 

on BBB

3 years ago

Your PEOPLE NEED to BE ABLE TO FOLLOW DIRECTIONS. Return calls or a request to speak a supervisor should be taken care of in a more timely manner, not 4 hrs. or a day or two later* ******** 

Elizabeth G 

on BBB

3 years ago

SCAM! I have been paying for well over a year for insurance- I submitted my FIRST and ONLY claim and have now waited MONTHS while Embrace claims they haven't received records from my vet. My vet started CCing me on the multiple emails sent to them with records and Embrace STILL claims they don't have them. Then they put the claim on hold, I'm told 15 days it'll be resolved- here we are a month later with NO SOLUTION and yet they are STILL pulling my monthly payment out!!! They are liars and a scam.