Embrace Pet Insurance

Jessica M 

on BBB

5 years ago

I insured my cat in 2018 and spent a year and a half paying for their regular and wellness insurance. In April 2020, I took my cat to the emergency ER because she was having trouble breathing, was told her lungs were filling with fluids and blood, and within 24 hours, she had died. When the vet finally charged me for the visit (around $1.1k) I filed a claim. I got repeated messages saying my claim could not be reviewed because the paperwork that the vet had sent was not complete and that they were contacting the vet to get i... read more

Laura N 

on BBB

5 years ago

Don't use Embrace pet insurance. I insure 7 pets and every claim as been denied for whatever reason they can find. I had a kitten die at 6 months old from pneumonia and they denied the claim. It took five months of fighting and we received $900 on a $2,600 bill after they finished excluding everything. These people are terrible. They are not there for us or our pets. I can not trust my pets will be covered for anything. They just denied my dogs claim for a leg injury saying she did not meet her orthopedic waiting period that... read more

Tori B 

on BBB

5 years ago

Do NOT insure your pet through Embrace Pet Insurance! They denied coverage of my dog's cancer treatment because of a history of diarrhea, vomiting, decreased appetite, and weight loss. My dog's oncologist and primary care doctor both wrote letters to them about those symptoms being super vague and being applicable to many other, routine ailments. Plus, the symptoms responded to antibiotics, which cancer does not do! Embrace does not care! They say that if any symptom existed before coverage, even if it wasn't diagnosed, then... read more

Siobhan T. 

on BBB

5 years ago

Denied $13,000 worth of claims when my dog came down with chylothorax and needed emergency surgery and multiple chest taps. They denied it based on a "pre-exisiting condition" because she had breathing/respiratory issues a few months prior to her hospitalization. However, at the time we saw she had breathing issues, our vet said it was most likely from allergies, because her allergy panel came back with almost everything in red, including grass and pollen which can cause BOTH respiratory and skin symptoms. No matter how many... read more

Allison C 

on BBB

5 years ago

Takes months to process any claim. I have had multiple claims with them all taking months saying they need a full medical history. Then when I give them all the vets my pets have been too, they keep contacting one I never have been too saying they are waiting for chart notes. This vet is a military pet hospital and does not even see regular pets only military animals. My dosgs are NOT military pets. Then they won't believe me no many how many times I try to explain. Then they try to increase my premium by $23 (26% increase) ... read more

Kenneth A 

on BBB

5 years ago

We feel we were scamed! We purchased this insurance 2/2/2020 and have not received anything for any claims. Our grace period was up 2/15/2020 and still no claims have been paid as of 5/30/2020. No contact with company by email or phone. They will not talk with me or answer my emails. They have every vet piece of paperwork for my dog and still won't pay for anything! I have cancelled this insurance and stopped my monthly payments and turned them over to my bank for investigation. BEWARE!!!!!! If I could it would be -10 stars!... read more

Cynthia M. 

on BBB

5 years ago

Complete rip-off, Don't waste your money. Embrace is a complete scam that not only costs you money, but hours of your life you'll never get back trying to get your claim paid. We have had an absolutely terrible experience with this company. They prey on people who are just trying to protect their "little ones" by getting them the best care possible. I'm not sure how the claims people sleep at night knowing the $1000's they have stolen from people. Not only do we have to go through a terrible experience trying to save our poo... read more

Stevie V 

on BBB

5 years ago

I was an Embrace customer since 2012 when my dog was a puppy. At first, they were an amazing company with attentive customer service and very reasonable rates. Within the last year or two, their customer service has become abysmal while their rates continue to price pet owners out of their service. Previously, while my premiums did increase year over year, the amount was negligible - perhaps a few cents extra a month. Now, all the sudden, my monthly premiums increase by nearly $20/month each year. When asked to explain these... read more

Dave R 

on BBB

5 years ago

If I could give negative stars I would. This entire company is a joke. Typical insurance company that will do whatever it can to deny the claim. Even it means not following a previous appeal that was won. DO NOT do business with this company, you will 100% regret it when it comes time to use the insurance. Like another reviewer said, Embrace will place pre-existing conditions on your pet for ANYTHING you may have told your vet or any vet even if the notes are not verified by an exam or have been proven to be false and inaccu... read more