Embrace Pet Insurance

Joy E 

on BBB

3 years ago

Worst pet insurance ever. Hardly worth it. They didn't cover my dog's neuter under the regular pet insurance but under another benefit of wellness. Everything was covered under wellness, an additional add-on benefit. I ended up paying them $90 a month and then wellness was tapped out on regular things like shots before my dog's neuter came up. I ended up cancelling with them after the neuter and they sent me a bill for the rest of the year... for the next 6 months of wellness. They sent me an email saying I could pay in one ... read more

Laurie C 

on BBB

3 years ago

Any positive reviews about Embrace must be fabricated, in my opinion, so I caution you. I'll share my experience that led to me deciding to cancel my policy. I've submitted 6 claims in the past 3 years for my sweet little rescue dog, Eddie, now a senior miniature schnauzer. He was close to death when I got him (from abuse and neglect) and needed extensive medical care, which I gladly paid for at the time. I eventually got this policy thinking it would help pay for his long-term needs going forward such as his necessary eye a... read more

Judith Fulmer J 

on BBB

3 years ago

Charged more than expected. I was told $22.52 after taxes $23.52. When I paid with my credit card I was unaware of a activation fee? I didn’t buy a phone service or internet? What possibly could be a activation fee? The fee was$25.00 and more than the insurance? The total was $48.52 and I called the next day to cancel and to get my money back. Tiffany told me on 12/27/21 I would get a full refund. I have yet to receive it or any inclination that I will. I would not have purchased in the first place if I were aware of the act... read more

Tim B. 

on BBB

3 years ago

I pay around $80 per month for the last 1.5 years. Supposedly according to their Claim Form vaccines, tests, preventative meds, supplements & grooming are part of their "Wellness" rewards. I took my dog to the vet and he was given his vaccinations, plus an allergy test & shot for his allergies (both were $100). They said they wouldn't pay for this nor did they pay for any other part of his visit ($291 total). I should have realized this the first time I took him to the groomer (Grooming Tails) & they asked for an itemized re... read more

Ziyan Z. 

on BBB

3 years ago

We rescued a barn kitten who is under 3 months old. At first the kitten fell very sick due to worms, diarrhea and dehydration, and we had to take her to the hospital. All the vets were booked for months, so we could not get nor could we afford to wait for a regular vet appointment. After spending $4000+ on her treatment, the insurance denied all the claims related to the hospital visit, and anything that has happened since then, quoting it's "pre-existing because it happened prior to a vet checkup". When we finally got her a... read more

Jennifer S 

on BBB

3 years ago

I am a fool. I completely fell for those ads by Embrace Pet Insurance that showed happy "customers" stating "Embrace Pet Insurance covered my dog's accident/surgery." I did not look up their actual clients. Their actual real life reviews. Their real life practices. Their real life customer satisfaction. Please read their reviews on Better Business Bureau & Yelp. If I had only read them, I would not be in the situation I am today. Being a real life Embrace Pet Insurance customer with imaginary coverage. If you are reading the... read more

David B 

on BBB

3 years ago

I have been a client of Embrace Insurance just over 8 months and had to use the insurance for a broken front elbow on my 5 year old Boykin Spaniel. I cannot express how smoothly this experience went for me. I opted to not have the orthopedic screening that was available to shorten the wait time for orthopedic coverage and luckily *** waited for just over the 6 months to break his leg. After looking at this site, I was afraid that I would absolutely run into some horrible problem during the claims procedure, but instead I fou... read more

Michael D 

on BBB

3 years ago

This business is a scam. We rescued 2 6month old puppies in January and enrolled them in a policy as soon as we got them. Needless to say, with two young recuses, there were some health issues that needed to be addressed as we went along. We spent most of the year trying to get Embrace to even look at the claims we filed. They kept saying our dogs weren't covered because of they didn't have a proper health survey, despite our vet filing one with them. Despite supposedly having coverage for prescription drugs, they covered no... read more

Jeff Y 

on BBB

3 years ago

My dog is now 13 and this is his 3rd insurance and by far the worse. They try and act like they are giving you good customer service by email but they never call you directly. We had the insurance over a year now. My dog gets attacked by another dog and they said there is a gap in my dogs medical history so they declined the claim. First off why does a dog bite need medical history? 2nd they are saying I need to fill a gap missing from medical history? If I’m not covered it would have been nice to know years ago when we regi... read more