Embrace Pet Insurance

Ian M 

on BBB

3 years ago

After paying premiums for almost a year I finally submitted 2 claims totally around $900. To explain a little our dog was a rescue of 3 years old . The claims were submitted on line about one about a month ago and the other 2 weeks ago. After me contacting them on line asking about the claim I was asked for medical records for the dog one year prior to us owning him! How is that possible he is a rescue? We have absolutely no idea who owned him prior. Upon telling Embrace this they referred to some small print that basically ... read more

R. H. 

on BBB

3 years ago

I got a policy to cover my 8yr old lab thinking it was my best option to protect him from accidents or just things that might come up in old age. The monthly cost was a hefty premium, but I did it anyway to make sure he was covered. Every single claim I have submitted to Embrace is a complete and utter laughing stock of professionalism and competency. I uploaded fully-fledged and itemized records of the visit just to have them put it on hold for almost a month saying the invoice was illegible or incomplete. When I finally go... read more

Ryan 

on BBB

3 years ago

I got a policy to cover my 8yr old lab thinking it was my best option to protect him from accidents or just things that might come up in old age. The monthly cost was a hefty premium, but I did it anyway to make sure he was covered. Every single claim I have submitted to Embrace is a complete and utter laughing stock of professionalism and competency. I uploaded fully-fledged and itemized records of the visit just to have them put it on hold for almost a month saying the invoice was illegible or incomplete. When I finally go... read more

Sunny 

on BBB

3 years ago

Scam company that lies to you about providing insurance for your pet. Just save money and pay yourself. They are not paying a claim for my dog Aragon’s bite or sting he received saying they need to review all of his vet records. We just signed up in April 2021 and they have all of his records because that is part of signing up for the insurance. Also why do all his records need to be looked at for a sting or bite. We even submitted the orthopedic report right away. All receipts all records of everything we have done for our ... read more

Hector R 

on BBB

3 years ago

This company will find any way possible to not compensate you for your vet visits. In addition, their customer service is abhorrent and they do not care about you beyond what you are paying them. I found out recently that, due to my dog having diarrhea prior to me getting insurance with them, they consider that a "pre-existing condition". Frustrated by that and wanting clarification, I call their customer support and ask why this is the case and what the benefit is in me retaining them for insurance, only to bluntly be told ... read more

Anon A 

on BBB

3 years ago

I have been paying almost $50 a month for coverage for my dog and the first time I use it, I found out just how much of a scam this company is. They pulled my dogs records to process a claim from an emergency vet visit in Dec 2020 when my pup was vomiting (prior to when the Embrace coverage started). The emergency vet ran all kinds of tests and nothing was found to be amiss, so she deemed it was just an upset stomach. I kid you not, Embrace decided that somehow "vomiting' is a pre-existing condition (yes, they explicitly sta... read more

Paula 

on BBB

4 years ago

This company finds every reason not to reimburse members for their pets' claims, even though they religiously take their monthly membership fee from your bank/credit card account(s). Isn't this why we sign up for pet insurance? Terrible pet insurance company! Just the worst!!!! They say they will try to work with you but they don't even try. 

Embrace is a SCAM! 

on BBB

4 years ago

Vomiting can be caused by anything. They are wrong with their assessment of my pet's records too. Vet even couldn't find anything wrong with it. They are not "pet parents" like they say. They are just like other insurance companies. They're in it for the money. Pet insurance needs to be regulated like human insurance. Shame on the BBB for giving them an A+ rating. They are HORRIBLE and deserve an F! 

Lila H 

on BBB

4 years ago

Do not enroll. They reset the clock with repeated requests for records and information. I was just told that my dog’s $2000 + emergency vet bill is under a thirty BUSINESS DAY review. We are already almost a month out from the original claim. Embrace SUCKS.