Embrace | Pet Insurance Review

I have only been with Embrace Pet Insurance a short while so that might explain my lack of satisfaction with their service team…from long wait times to connect with a person to not being given the USAA discount or the “front of the line” phone number the first time I mentioned my veteran/military status…to tech issues that still have not been resolved to successfully allow me to login to my account. I have worked in IT and my read is that they scrimped on the tech support so every time they push an update…it “Breaks” something else in the system…which is typical but no one seems to test the system to see what has been broken before end users try to log on the next morning…the “cheap” way to go… I actually could list more that makes me wonder how they “earned” the customer service award they boast they have… but I will stop there and allow you to experience for yourself what this company has “done” for me these past few days…which is very little that instills confidence in them as a business…

Extremely poor customer service. Hardly cover any expenses. The one time I filed for reimbursement they took months and ended up not responding to my follow ups. Not worth a single dollar, do yourself and your pets a favor and find another insurance. Embrace is not what it used to be.

- I filed a claim for an x-ray. Policy # #EP0098-6644. This was preventative to ensure the limping I noticed wasn't more severe. - The prior week I called Embrace and was told my pre-existing conditions requirement period has passed. - Embrace claim dept requested all health documentation from my vet starting from the date that the policy started Jan 5, 2026. This despite the fact that I was no longer in review for pre-existing condition.

I’ve been an embrace customer since I believe 2019 and it was great in the beginning. It covered a lot of my dogs medical bills. But recently, my plan shot up $300 which I can kind of understand due to my dogs age and vet costs going up. But $300? Not only that, but when I called to change my plan, they told me it wouldn’t be a good idea because embrace made some huge mistake by overcharging and undercharging accounts and my account was apparently undercharged? So I technically was told I should have been paying more and of I chose to change my policy that I would have to pay more even though it was EMBRACES fault for making the mistake. I called again to cancel my policy and the representative told me that she could extend my payment period to see if the issue would be resolved in time so I could still edit my coverage without paying even more. I don’t make much money. I can’t afford $530 a month for one dog. And if I lowered it to like 800$ deductible with 70% reimbursement , I’d still have to pay in the $300s. Yeah no. I cancelled and even though the rep tried to make me worry about the “no other plan will cover preexisting conditions “ I still cancelled. If this is how you treat your clients you’ve had that have been loyal for years, no thanks. I will not be recommending embrace to anyone and I will not be using it for any future pets either.

Extremely poor coverage, only had claims denied.