Embrace Pet Insurance

I am not pissed but never was pissed with Embrace Pet insurance, I happen to like them very much.b I have no issues either.

New puppy. Same breeder as laker. He was good to be mine by Choice veterinarian on RT 17. Punta Gorda Florida 33950.Ty.non September 26, 2023. Sales agent did not provide any number to me. But told me premium will come out today for $134.00. Thank you

On Sept 11 my 15 yr old Yorkie passed away on the same day I got him insurance.long story short they offered full refund of course 3 to 5 business days for it I waited patiently then come to find out they took out the money again.then I was told there not going to pay the overdraft fee and I had to wait another 5 to seven days .am like what in the world is happening to these businesses not double checking there work.am sure if it was for a late payment omg look out they will cut u off.signed I can't believe it.

Cant get through to talk to anyone. Cant log into my acct. tried putting new password, please call ne

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 insurance will cost more than my own health insurance next year. I expressed that this policy, by their underwriters, is egregiously excessive and she replied that I could reduce the monthly payment by adjusting my policy to a higher deductible or reduced coverage. I am already searching for a new company to insure my pet as I won't be keeping Embrace unless they have some flexibility on their monthly payments without reducing my coverage. Unless you plan on paying exorbitant amounts of money to cover your animal, I would strongly suggest shopping around for a plan that is not so deceptively inflationary that it borders on usury.

don't understand all the negative reviews. i and my son have had embrace for 8 years now and never, ever had an issue. they pay very quickly. cover everything they say they will. rates DO NOT go up by 25-30% each year. my rate went up 1.00. last year. we love it and won't be changing. maybe some of the negative reviews are from those who want things covered that are not. hmmmm.

They know you can't leave. Any place you go your pet will be excluded for pre-existing condition. My annual premium for one dog is over 3K!! That is insane and unacceptable but I am stuck and they know it. Do not get insurance from EMBRACE you will regret it!

Long hold times, ridiculous requests for medical history, any excuse not to pay for a claim. I have never seen a pet insurance quote "Pre Existing" for things so much.

Expensive rates, does not cover anything and if you want to cancel, they will force you to keep paying. Also horrible customer service, I have people threatening me I have to pay for the insurance but won't cover anything..

Every time you file a claim, they want your pet's complete medical history. I have insured my puppy from the start -- at which time they did her medical history clearance. Since then, each time I have been to the vet for a problem, they want the complete history -- which they have because of past claims. My most recent visit had complete notes about her case of Enteritis. All past visits coincide with her puppy exam/vaccinations. All say Healthy Pet. There is no reason to stall on processing a claim that is this straightforward. So beware. Just because you have coverage, it doesn't mean it is easy to use. For my current claim, my service rating is one star.

I have submitted this letter to the claims department twice in two weeks with no response. I have submitted this letter to USAA for review of product recommendations. I hope I can talk to someone to help me have a more positive reference for your company. January 26, 2021 Samuel Symmes P.O. Box 2973 Bethel, Ak 99559 907-545-**** Embrace Pet Insurance Attention: Brian Macias CC: USAA Dear Brian Macias,I am writing you out of frustration and extreme disappointment. I purchased an Embrace Pet Policy very soon after getting my Great Dane Puppy at 10 weeks old three years ago. Wanting only the best for him I first asked around and was told about Embrace. The referrals were not overly positive from my friends. However, I have been a USAA member for 37 years, trust them with all my lifes important insurance needs and protection. They have also always provided the very best products and product recommendations. With this I decided to purchase and hold and Embrace policy for three years. That was until this month.After three years of sending in claims, calling, emailing and endless work on my end to follow through with paperwork requested by Embrace I realized why I had not been given good recommendations by my friends. I called and emailed many times asking for help, offering to try and get information they needed etc. Eventually I started to voice my dissatisfaction with the service I was receiving. Almost all the representatives were very nice on the phone and made a lot of promises things were going to get better or that not much was needed to finish the claim. Then when these promises were never lived up to, I started to ask for a more senior person to voice my concerns to. When I did get to that person, again they were nice, but all the promises were for lack of a better term blown off.Finally, I called to cancel the policy. I was promised a senior customer service care member would contact me to see if things could be made right and not have the policy canceled. I have never received a call and thus canceled my always paid in full, on time account which not once benefited me or what Embrace states they are concerned about, my dog.I am not one to take the time to write a letter or to go out of my way to make sure others do not have the same experience I have unless it was a really bad experience, which this was. I hope at a minimum Embrace will at least look at my situation and try to use it as a learning experience, so others do not waste their time, money or like me put trust in your product if I should ever need it when it counted the most. But Embrace never followed through. I hope I can see follow through now. Sincerely, Samuel Symmes

Why a orthopedic exam for a 5 month old puppy for a waiting period waiver exam? Is this Insurance outfit not reading the initial intake I filled out for this dog?

In the short time with them, they always applied the pre-existing condition rule to avoid ANY payment. I agreed there were some pre-existing issues, but as soon as they find ANY they will not look at any deeper reasons for treatment ....it all gets lumped into pre-existing conditions box. Watch out for wellness coverage, this con is just giving them your own money to use.

I have been with this company for many years. This year my insurance went from $600 to $2600. The reason they stated was that the state I live in does not have a cap anymore. So with this reasoning they can charge whatever they want. Of course now my animals are older and all have pre existing conditions so I am stuck. I have never dealt with such a dishonest company. This is the way they treat loyal clients who have stayed with them for years. If you are wondering I have a $1000 deductible so I almost never was able to file a claim. This increase had nothing to do with filing claims. This is just like that person who raised the price of epi pens through the roof out of their own greed. It's hard to believe a company can be this greedy.

When I adopted my puppy, he had a bacterial skin infection known as Pyoderma, which Embrace did not cover as it was pre-existing. Fine. 9 months later, my dog began to lick his paws, which the vet determined was due to allergies. Since both pyoderma and allergies share a symptom- itchy skin- Embrace has denied my claim for allergies and is saying that it's a "pre-existing condition" even though my dog was never previously diagnosed with or treated for allergies. It's absolutely ridiculous, I couldn't be more displeased or dissatisfied- they took over 2 weeks to respond to my claim and didn't even do their homework regarding my dog's previous conditions. BE FOREWARNED- all that glitters is not gold, and Embrace DOES NOT deliver what they promise.