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 170 Customer Reviews
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Review fromDana L
Date: 06/06/2025
1 starDana L
Date: 06/06/2025
Outrageous premium increase of 400% After 15 years of paying monthly premiums including very minor yearly increases this year they raised my premium over 400%. I went from paying $81/month to the new increase of $322.50/month!! The person I spoke with thought this was entirely reasonable and offered to cancel the policy since I was so unhappy with the change. So yes the service was good for those years but this is how they treat you and your precious pet when they would probably need it the most. Don't fall for this trap
Embrace Pet Insurance
Date: 06/09/2025
**** ****** ******** ******* EMBRACE PET INSURANCE is responding on behalf of ******** ****** ********* ***** to the complaint filed by **** ***** on 6/6/2025. Per our Terms and Conditions, Embrace may change your premium, but you will be notified of any changes in writing prior to the changes taking place in order to allow for any adjustments necessary. Embrace understands that substantial premium increases are challenging to navigate, and it is important to note that they are impacting the pet insurance industry as a whole. Some other pet insurance providers have chosen to cancel many policies or reduce coverage on existing policies without the policyholder’s consent, in order to maintain their financial stability. Embrace's goal is instead to work closely with each of our policyholders to explore personalized solutions and adjust coverage as needed to support you as we are able. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.Review fromDavid S
Date: 05/29/2025
1 starDavid S
Date: 05/29/2025
Horrible pet insurance. Have accident and wellness coverage on my pet. Have had multiple wellness exams that they covered no problem. I requested that they get my animals previous history to make sure his coverage was activated after waiting period. Was told all was good fast forward 4 months and my boy swallowed a piece of plastic and when throwing it up he also threw up blood so I rushed him to a pet hospital. 3 X-rays and $700 later he was given a clean bill of health. THANK GOD. Filed a claim for reimbursement and was informed I now have a 30 day waiting period while they review my pets medical history before they can determine if they can reimburse me for his visit. Apparently, when I asked him to get his previous history, I didn’t state or ask them to review it after getting it so the insurance has a 30 day hold on it for my reimbursement. Not the reimbursed in five days like they claim. Which really makes life difficult because I’m thinking my pets insured things are fine and I just paid the money without thinking about it and then now I’m two months without the cash and have bills. I need to pay why have insurance if they don’t cover your pet or they come up with excuses of why they can’t pay go somewhere else. Don’t end up screwed like I am.Embrace Pet Insurance
Date: 05/31/2025
**** ****** ******** ******, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ***** ****** on 5/29/2025. On 5/19/2025, claim number *********** was submitted for processing. The claim is currently set to pending as we review *** ******** pet's medical history. As our Terms and Conditions state, Embrace will attempt to collect your pet(s) medical history from all Veterinary Providers you inform us of at the start of your policy; however, we will not review the medical history until your Pet’s first Illness Claim is submitted, or alternatively, the insured requests a Medical History Review. This request may be made any time after the policy's fourteen (14) day Illness Waiting Period is complete. As this process was not requested for ******, the review of his medical history was set to be completed in line with our standard process which includes review of the medical history in line with the first submission of an illness claim. Once the claim is completed, *** ****** will be updated with the decision via email and update to his MyEmbrace portal. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.Review fromColleen H
Date: 05/28/2025
1 starColleen H
Date: 05/28/2025
Disappointed with Embrace Pet Insurance – Denied My First Claim and Raised My Premium I’ve had Embrace Pet Insurance since 2022, paying monthly with the expectation of peace of mind if my pet ever needed care. Unfortunately, when I finally needed to file my first claim, it was denied—despite having active coverage for over two years. To make matters worse, my monthly premium nearly doubled recently, and the only explanation I received was that it “reflects rising veterinary costs.” Meanwhile, I received no added benefits or improvements in coverage. It’s incredibly frustrating to be a loyal, paying customer for years only to be denied support the first time I actually need it. Pet insurance is supposed to provide security and reduce financial stress, not add to it. Based on my experience, I cannot recommend Embrace. If you're looking for an insurer that actually supports you when it matters, I’d suggest looking elsewhere.Embrace Pet Insurance
Date: 05/31/2025
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ******* ***** on 5/28/2025. On 5/23/2025, claim numbers *********** *** *********** were submitted and subsequently processed. On 5/28/2025, the claims were completed. The charged invoices on these claims were denied coverage pursuant to the Policy’s illness waiting period and because the policy in question did not include Embrace's optional Wellness Rewards Coverage. Per our Terms and Conditions, the condition(s) relating to these claims were not eligible for coverage as pre-existing conditions are excluded under Embrace Pet Insurance policies. Additionally, Wellness or Preventative care costs only are eligible for coverage through Embrace under the optional Wellness Rewards coverage, which was not included on Ms. ******* policy. As noted with Embrace's Terms and Conditions, Embrace may change your premium but the insured will be notified of any changes in writing prior to the changes going into effect. Embrace does allow all Pet Parents to reduce their coverage, as needed to fit their pet's individual needs and budget. Ms. Hardy's policy was set to not be renewed for an additional policy term, with a cancellation date set for 6/28/2025. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.Review fromJeff F
Date: 05/27/2025
1 starJeff F
Date: 05/27/2025
EMBRACE PET INSURANCE ARE CROOKED AND RUN BUY SCAM ARTISTS. Had their top level of insurance on my 2 jack Russell’s for over 2 years filed my first claim 2 months ago for a simple ear infection.They gave me the run for 2 months and denied the claim stating that he wouldn’t be covered because 2 years ago he had an ear infection. Claiming now it’s considered a chronic condition. Then during that 2 months sent me an email pertaining to my other dog stating that they had reviewed his records and and he would not ever be covered if I ever take him to the vet for reasons of being injured by another animal because 2 years ago I had taken him to the vet for a check up and during that visit I had told the vet that sometimes he would show aggression to my other dog when I fed them he would growl and snap at my other dog when he would try to eat his food. The vet informed me he couldn’t give me advice on that because he wasn’t a licensed behavioral specialist and that I should take him to a specialist if the problem persisted. BOTTOM LINE: Embrace will take your money and give you false security that your pets that you care so much about are covered when they get sick or injured. But when it comes time they are not going to pay. I will NEVER get that RIP-OFF INSURANCE again. My advice to anyone reading this review would be if you can afford to pay for this scam insurance because you care so much for your pet would be to invest the money in a money market or something similar for your pet and if and when your pet gets sick or injured you can use that money. Don’t give it away to these crooks.Embrace Pet Insurance
Date: 05/31/2025
**** ****** ******** ******* EMBRACE PET INSURANCE is responding on behalf of AMERICAN MODERN INSURANCE GROUP to the complaint filed by ******* ****** on 5/27/2025. On 4/10/2025, claim number *********** was submitted and subsequently processed. On 5/3/2025, the claim was completed. The charged invoices on this claim were denied coverage pursuant to the Policy’s illness waiting period. Per our Terms and Conditions, the diagnosis or symptom relating to this claim and the noted condition of aggression for Mr. *******s other dog are not eligible for coverage as pre-existing conditions are excluded under Embrace Pet Insurance policies. Mr. ******** policy was cancelled effective 5/15/2025 at his request. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.Review fromEbony H
Date: 05/05/2025
1 starEbony H
Date: 05/05/2025
We have been a faithful customer for 10 years. As our dog has aged our rates have gone up about $5-10 per month each year. But this year our rate went up from $93 per month to $135 per month. I found comparable coverage for my 10 dog plus our new puppy for only $88 per month with another company. Embrace should be ashamed of taking advantage of our love and care for our dogs!Embrace Pet Insurance
Date: 05/06/2025
Dear Better Business Bureau, EMBRACE PET INSURANCE is responding on behalf of ******** ****** ********* ***** to the complaint filed by ***** ******* on 5/5/2025 Embrace Pet Insurance's premiums are based on actuarial analysis of all the policies in force within the company. The primary factors that impact premiums each year include the age of the insured pet(s), the tenure of the policy, and inflation, which includes increases in veterinary costs and also, accessibility of veterinary care. All premium increases implemented with Embrace policies do meet all state compliance standards and to help offset these increases, Embrace policies are structured in a way to allow each pet parent the ability to change their coverage parameters. This helps to adjust the premium based on what the pet parent feels is best for their individual pet and situation, while also allowing the insured pet to retain a level of coverage without the risk of resetting waiting periods and re-evaluating the pet's pre-existing conditions. Embrace understands that significant premium increases can be very challenging to navigate and with this, our goal is to work closely with each policyholder to explore solutions as needed to provide support as we are able. We appreciate the opportunity to address these concerns and are committed to ensuring fair treatment for all our clients.Review fromDanielle L
Date: 04/26/2025
5 starsDanielle L
Date: 04/26/2025
I 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!Embrace Pet Insurance
Date: 04/28/2025
Thank you for taking the time to share your review of Embrace with the Better Business Bureau, ********. We are so glad that we have been able to provide comprehensive coverage for your pup that has not only exceeded your expectations but also, those of your veterinary team. We know how stressful unexpected veterinary expenses can be and we are glad that we have been able to provide support to your family with addressing these costs. Thank you for trusting Embrace to be a part of your dog's life, to aid you in keeping her as healthy and happy as possible. We are so happy to hear that you have been satisfied with your experience with Embrace. We thank you for sharing your recommendation of our product and services. Regards, The Embrace TeamReview 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.
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