Reviews
This profile includes reviews for Embrace Pet Insurance's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 216 Customer Reviews
Want to share your experience?
Leave a ReviewReview Details
Review fromDanielle L
Date: 04/26/2025
5 starsI am shocked, as is my dog's vet, at how much Embrace Pet Insurance covers for my dog's medical services. You always hear horror stories about stingy insurance... well, that's not the case with Embrace! They covered her veterinary behaviorist as well as her ultrasound. All staff members have been prompt and helpful. I am so glad I chose Embrace! As I often remind my friends, you need to get pet insurance before anything goes wrong so it is covered. It's better to have pet insurance and not need it than for an emergency or chronic health condition to occur and not have it. I truly cannot recommend Embrace enough!Review fromK. C.
Date: 04/17/2025
1 starK. C.
Date: 04/17/2025
I’ve been a loyal customer for 10 years and the company is more than doubling my premiums at an age in my dogs life that will be hard to secure other insurance. So disappointed. They penalize loyal customers. Do not insure with this company.
Embrace Pet Insurance
Date: 04/17/2025
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ******** ******** on 4/17/2025 Embrace's premiums are based on actuarial data of all the policies we have in force, and the main factors that impact premiums each year include the age of the pet, tenure of the policy, and inflation, which includes increases in veterinary costs. Embrace's premium increases do meet all state compliance standards and policies are structured in a way to allow each pet parent the ability to change their coverage parameters as needed to adjust the premium based on what they feel is best for their individual pet and situation. Embrace understands that significant premium increases are challenging to navigate and with this, our goal is to work closely with each policyholder to explore solutions as needed to support you during this time. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.K. C.
Date: 04/21/2025
People should know that they will be forced out of their insurance as their dog ages. I’ve been paying into this policy for 10 years. I understand an increase over time, but my premium went from $84 a month to $218 in a year. This is unacceptable and consumers should know that they can expect this from your company.Review fromByron S
Date: 04/16/2025
1 starByron S
Date: 04/16/2025
Embrace jacked up my annual premium by roughly 18% after one year with no claims. They also automatically renewed my policy with the new premium with no notification. They claimed the failure to notify me of the renewal was due to an "unforeseen issue in our notification system". Their own website says they are required to provide the updated policy and rates 2-4 weeks prior to renewal, which I received 5 weeks AFTER the renewal.Embrace Pet Insurance
Date: 04/21/2025
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of A******* ****** ********* ***** to the complaint filed by ***** ******** on 4/16/2025. In his inquiry *** ******** expressed concern(s) pertaining to the year over year premium increase and the lack of renewal notification email. On 3/4/2024, *** ******** purchased an insurance policy for ***** through Embrace Pet Insurance, underwritten by ******** ****** ********* *****, which went into effect on 3/6/2024. This policy is set to renew annually, with the most recent renewal occurring on 3/6/2025. Pet Insurance policy premiums increase for various reasons including the age of the insured pet. tenure of the policy and the cost of inflation, including increases in the cost and accessibility of veterinary care. In regards to the missed renewal notice, Embrace apologizes for any inconvenience this has caused. We have since resolved the issue and the system is being regularly monitored to avoid any future occurrences, and ensuring all proper renewal documentation is sent accordingly. Embrace has determined that the best course of action for *** *********s policy would be to refund the premium from the renewal, and this refund was sent to the billing method on file for their policy on 4/16/2025. The policy was then subsequently cancelled. Based upon this information, Embrace's review of this matter indicates the error has been managed and the related case has been resolved. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.Review fromPatricia W
Date: 04/14/2025
1 starPatricia W
Date: 04/14/2025
Save your money. Embrace is not an insurance company, only a middle man. American Mo)dern Home Insurance Co is who the end insurer actually is. I found this out thru the SC Dept of Ins. Imagine my surprise. This company is not transparent. They do not pay claims. I've paid in for over 18 years. Never, ever auto draft with this company. Auto drafting exempts them from notifying you of premium increases and revisions on your policy. Imagine my surprise finding this out. 18 years. My original policy is on Version # 5. Who knows what coverage my cat actually has now! And again they do not have to notify you. I'm asking, begging, everyone who reads this to immediately stop auto draft, whether by credit card or bank account. This way they must notify you of changes. That is why they push auto draft. File complaints with your state departments of insurance. I also emailed the CEO. Force this company to do the right thing.Embrace Pet Insurance
Date: 04/16/2025
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by Patricia Westafer on 4/14/2025. Per our Terms and Conditions, we may change your premium but you will be notified of any changes in writing prior to the changes taking place. Embrace does allow all Pet Parents to reduce their coverage, as needed to fit their pet's individual needs and budget. Embrace also provides updated policy documents in line with each policy's renewal, including updated Terms and Conditions. All documentation is provided to the email address on file for the policy. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.Review fromLisa C
Date: 04/09/2025
1 starLisa C
Date: 04/09/2025
I have been with embrace for over 9 years paying every month. I have never gone past my deductible, so I never received any funds back for insurance until this year. I started with less than $ 40 monthly charges I understand it goes up a little each year and I had to take a higher deductible and less coverage to stay under the $ 84.85 last year even though I never had a claim in all the years I had pet insurance. My monthly payment is currently $ 84.85 and I have a few weeks left for this policy for the year. I went past my deductible and received back $ 248.12 for the first claim I just had. The next monthly payment has now raised to $ 287.06 a month since a submitted a claim. I called Embrace and the woman that answered also stated that she thought it was a mistake to go up $ 202.21 each month. She put me on hold to ask and they stated it was correct, and she even questioned the amount of difference from one policy year to another. This also didn't make sense to her. I have been loyal and always had my payments on time and the first time I received a payment back after all the money I gave they raise my monthly payment so much. Can an insurance company only raise a certain amount each year or they can raise any amount they want? I know in California rent can only be raised 10 percent. Why can pet insurance be raised 238.315 percent in one year? With this new payment I would be paying # 3,444.72 a year for a 1,000 deductible and would only receive at most $ 8.000 a year so I will cancel and keep the money in my account for future vet bills. Be aware that you might be better to put the monthly amount you would pay for vet insurance in a checkbook each month because when they get older and really need the insurance it would not be affordable to you and you would be able to use the money you have saved. There should be a law on how much insurance can be raised year to year. I will try to start one after this incident.Embrace Pet Insurance
Date: 04/10/2025
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by **** ****** on 4/9/2025. On 3/28/2025 Ms. Cheney was provided the renewal notice for her Embrace Pet Insurance Policy to the primary email contact she had provided. The policy is set to renew on 5/18/2025. Premium increases with Embrace Pet Insurance are based on a variety of factors including primarily being impacted by the insured pet's age, the tenure of the policy and inflation. The renewal notice on this policy is sent with ample time to allow the policyholder to make any adjustments in their coverage as needed, to help better suit their budget, while ensuring the pet maintains coverage. All premium increases are in line with any state specific compliance standards. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.Review fromJ. S.
Date: 04/08/2025
1 starJ. S.
Date: 04/08/2025
Embrace is not transparent at all. Ì enrolled, had medical records reviewed and the came back with a long list of pre existing conditions that my vet said were ridiculous. Rick salt in her pad was called lameness, so anything she may develop in the future should she ever have lameness is a exclusion. Also I asked about accident only, and they said it only covers The Initial Visit, no follow up at all. I asked where on the web page that is stated, she snapped at me and said read the fine print. They don't like it when you ask questions . Embrace is only interested in denying. I claim would be a nightmare. 1590 a year for very little coverage, is not wise.Embrace Pet Insurance
Date: 04/09/2025
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by Joan Saxton on 4/8/2025. On 3/28/2025, a Medical History Review was completed for **** *******s pet outlining the permanent and temporary exclusions on their policy with Embrace. Per our Terms and Conditions, pre-existing conditions are not eligible for coverage. On 4/3/2025, **** ****** cancelled her policy with Embrace. An Accident-Only policy was discussed, and it was reviewed that this type of policy only provides coverage for an initial incident of an accident, not any associated follow-up care. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.J. S.
Date: 04/12/2025
What Embraceis not advertises vs what a claims agent tells you transparent. Especially, regarding Accident only policy and paying ONLy the initial visit, that should be stated in print at the time if enrolling so you don't have a false sense of security . Embraces is one of the few that don't pay follow up. That's very important in making a decision as to which company to choose. That could cost thousands out of pocket plus the high premiums. Be transparent , not just fine print .Review fromBobby L
Date: 03/30/2025
1 starBobby L
Date: 03/30/2025
Please STAY AWAY FROM EMBRACE. I would not recommend them to my worse enemy. 1. They dig into the smallest "preexisting condition" not to cover your pets. In this case they blamed a self inflicted scratched eye from a dry eye in 2022. Once my opthamologist was able to prove thats its not from dry eye, they want additional proof from my primary doctor. They then blamed a scratched eye from cataract. 2. They pride themselves as "24/7 Pet Health Line Through Pawsupport" that's a LIE. You can't reach them outside of their business hours. 3. Increased my monthly coverage by more than 50% without telling me. You can't find the billing statement unless you call to enquire or check your bank account. 4. It's hard to send them additional proof through the portal if you'd like to dispute their decision. You'd have to call and ask for an email. These people are pure evil, they DO NOT CARE about you or your animal. Please, do not make the same mistakes I did. THIS BUSINESS IS A SCAM!Embrace Pet Insurance
Date: 04/02/2025
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of ******** ****** ********* ***** to the complaint filed by ***** ***** on 3/30/2025. We believe we were able to locate the account referenced in this review and the policy holder has been in direct contact with our team to discuss their concerns and has been provided with the next steps. Due to not being able to fully authenticate the policy referenced in this review based on the information provided, if the aforementioned information is not correct, we would like to encourage ***** ***** to reach out to us directly at [email protected] so we can locate their account and assist them further. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.Review fromJaneen R
Date: 03/27/2025
1 starJaneen R
Date: 03/27/2025
Terrible first experience with them. This was my first attempt at obtaining insurance. My cat is not being covered because of the word diarrhea, which they've listed as a permanent condition in his chart. Diarrhea is a sign/symtom that goes along with many conditions and illnesses. To claim diarrhea as a pre-existing condition is absurd. He had a parasite. He had giardia at about 3 months old, and had some diarrhea with it. He was treated, along with my other cats, and tested negative for it. He has now, 9 months later, tested positive to FIP, a serious and potentially deadly virus. He has a mass in his abdomen, he was dehydrated, lethargic, and was vomiting. FIP has a life expectancy of days, weeks, or up to about 2 months from diagnosis. Somehow, they feel that my cat was showing signs of FIP at 3 months old and miraculously made it to a year with no treatment. Apparently I have a supercat. Diarrhea was listed in his chart, which shouldn't have been because he had a clear fluid-like discharge. But since it's mentioned, they're calling it pre-existing. Apparently once you have diarrhea (which goes along with tons of illnesses), you're not covered for any other condition that may cause it. He also just tested positive for heart worm, which I'm now thinking may have been the cause of some of the other signs early on, but definitely not FIP. I now face potentially having to put him down due to all of this, because the bills have stacked up so much already with continued care, and now I have to start chasing heart worm. Thanks Embrace. You've really helped my family out.Embrace Pet Insurance
Date: 04/01/2025
Dear Better Business Bureau, Embrace Pet Insurance is responding on behalf of ******** ****** ********* ***** to the complaint filed by ****** *******. ****** submitted four claims for their cat *** between the dates of 2/28/25-3/6/25 ************* ************ ************ *** ************* These claims have since been reviewed and it was determined that they were not eligible for coverage due to a pre-existing condition of diarrhea. Diarrhea is a clinical sign for feline coronavirus (FCoV), which *** tested positive for, and feline coronavirus can mutate into feline infectious peritonitis (FIP). Per our terms and conditions, FIP is not eligible for coverage because the clinical sign of diarrhea was noted in the medical records, along with a negative fecal sample prior to the policy purchase. It was also noted that *** had always had intermittent diarrhea. He was tested for FCoV due to his clinical signs and the test results came back positive. FCoV is generally asymptomatic, but can cause diarrhea, FCoV can also mutate into FIP. An appeal was received on 3/17/25 in relation to the previously mentioned claims. It was determined that the decision on these claims could not be overturned because Boo was noted to have diarrhea prior to the policy purchase, along with a negative fecal sample, and to have ongoing diarrhea. As diarrhea is a known clinical sign for FCoV tha* *** tested positive for and it is known to mutate into FIP, we are unable to provide coverage for the claims submitted. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.Review fromBrett T
Date: 03/17/2025
1 starBrett T
Date: 03/17/2025
After paying premiums for a year, I believe this is a scam! If I could give them negative stars, I would. I have made 4 total claims on my two pups (1 year old and 2 year old - very healthy dogs). Embrace will not pay for anything. They make you gather more and more info and then still say it's incomplete and then they dodge the claims and explain why they won't pay in the fine print. Total waste of money and time! Please save yourself the anguish of working with them. Do not give them your money. This appears to be a scam and whoever is running this unethical company should be thrown in jail for stealing. How is this possibly legal?? I can't wait to read their BS red tape response to this. They were throwing terms like "preexisting conditions" at me when these dogs were only one year old. What a joke!! I rescued both dogs and they couldn't be healthier. It's offensive to listen to them explain why they will not pay claims. I sure wish I would have read any of these 1 star reviews (unfortunately now I see why there are 100's of 1 star reviews). When Embrace is inevitably hit with a class action law suit, I will scream with laughter!!Embrace Pet Insurance
Date: 03/18/2025
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by Brett Tucker on 3/17/2025. On 11/12/2024, claim numbers EC0854-7805 and EC0854-7807 were submitted and subsequently processed. On 11/13/2024, the claims were completed. The charged invoices on these claims were denied due to being classified as routine or preventative care in nature. Per Embrace's Terms and Conditions, wellness charges are not eligible for coverage under the insurance. On 11/19/2024, claim number *********** was submitted and subsequently processed. On 12/11/2024, the claim was completed. The charged invoices on this claim were denied coverage pursuant to the Policy’s illness waiting period, as per Embrace's Terms and Conditions, pre-existing conditions are not eligible for coverage. On 9/11/2024, claim number EC0815-2510 was submitted and is currently pending additional information. Our team is working diligently to get the additional information needed to process this claim and once received will reach out to the policy holder with the results. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.Review fromKarin S
Date: 03/14/2025
1 starKarin S
Date: 03/14/2025
I have been a customer of Embrace Pet Insurance for four years, but my recent experience has been beyond frustrating. They denied my claim, stating the condition was pre-existing, despite my veterinarian explicitly stating that the issue had nothing to do with the pre-existing condition they referenced. My vet provided multiple emails with supporting medical evidence, which Embrace completely ignored. They also refused to speak with my vet directly, further delaying and obstructing the process. To make matters worse, after denying my claim unfairly, they increased my monthly premium by nearly $100. I trusted this company to provide coverage for my pet, only to find out that when I truly needed them, they refused to honor their policy. Their customer service is dismissive, and they seem more interested in finding loopholes to deny claims than in actually helping pet owners. I would strongly caution anyone considering Embrace Pet Insurance to think twice before signing up. They are not the reliable or compassionate provider they claim to be.Embrace Pet Insurance
Date: 03/20/2025
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of ******** ****** ********* ***** to the complaint filed by ***** ******* on 3/14/2025. On 6/28/24, a claim was submitted for a dental procedure as well as mass removals. The items related to the dental procedure and one of the mass removals were ineligible for coverage as these are pre-existing conditions. Per our Terms and Conditions, the claimed diagnoses of periodontal disease and sebaceous adenomas are not eligible for coverage. Additionally, dental cleanings are not eligible for coverage under the dental illness sublimit. An appeal was submitted stating the dental procedure claimed on was unrelated to the pre-existing periodontal disease. Our Underwriter reviewed the appeal information submitted and it was determined that the decision could not be overturned. The claim was for treatment of periodontal disease as well as hair packed under the gum line. As periodontal disease is pre-existing, this also excludes any related treatment. Additionally, the treatment for hair packed under the gum line is a dental cleaning, which dental cleanings are specifically noted in the Terms and Conditions as not being covered. While that portion of the claim was not eligible for coverage, we were able to provide partial coverage on appeal for another one of the mass removals as it was deemed unrelated to the pre-existing condition. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.