PetClaimLog › Claim Log › Embrace
Sourced from public Reddit posts and BBB consumer complaint records — every case links to its original source. Self-reported accounts, not adjudicated rulings. No composites, no invented numbers.
This page collects the Embrace cases in the PetClaimLog log — 13 of 186 sitewide. Every case is a self-reported account from a public Reddit post or a BBB complaint record, linked to its original source. We summarize what the sample shows, then list each case.
Embrace's 13 cases are a mixed bag rather than a pattern: two claims paid (one instantly, one under an orthopedic-exam waiver that shortened the waiting period), two denied as pre-existing, and one no-claims renewal jump from $55 to $93 a month. Small sample — read it as texture, not a verdict.
This is our own log's sample (13 of 186 cases sitewide), not a statistical verdict on Embrace. Figures reflect the post date, not current policy terms.
Other carriers in the log: Trupanion claim outcomes · Healthy Paws claim outcomes · Lemonade claim outcomes · Figo claim outcomes · Nationwide claim outcomes · Pets Best claim outcomes · Other carriers claim outcomes
Embrace
$55 → $93/mo at renewal
Renewal premium rose from $55 to $93 a month for a perfectly healthy dog with not a single claim ever filed; the stated reason was rising vet costs. Cheaper quotes exist, but the owner is holding off because switching means new pre-existing exclusions.
Verify original post ↗Embrace
$2,000+ out of pocket → $9 back
Kitten treated for FIP: $2,000+ out of pocket after roughly $125 in two months of premiums; $9 reimbursed. Insurer cites the illness waiting period and pre-existing grounds.
Verify on BBB ↗Embrace
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A 6-month-old shelter puppy swallowed a branch and was hospitalized; claims were denied citing the illness waiting period and pre-existing conditions.
Verify on BBB ↗Embrace
Premium also +25%/yr
The puppy's first-visit condition was marked as a permanent pre-existing condition and denied; the annual premium also rose over 25%.
Verify on BBB ↗Embrace
$1,101.84 → $2,215.08/yr
Renewal premium for a healthy 8-year-old dog rose 101% in one year; the owner had earlier won an appeal on a wrongly-flagged pre-existing claim.
Verify on BBB ↗Embrace
Under dental illness sub-limit
Dental claim denied as pre-existing (gingivitis noted at the adoption exam); after vet paperwork and an appeal, the insurer confirmed the condition had cleared and dental illness is covered under the dental illness sub-limit. The owner still leaves one star for the appeals process.
Verify on BBB ↗Embrace
Reimbursed after owner verification
A tooth-extraction claim was denied citing years-old exam records; the owner verified the record herself and won the appeal within a month. A separate physical-therapy claim was denied because the therapist is not a licensed vet.
Verify on BBB ↗Embrace
+$70/mo combined
Monthly premium up $50 after an address update plus a $20/mo annual increase; the only way down is downgrading or resetting the policy, which restarts a 6-month no-illness clock.
Verify on BBB ↗Embrace
$28 → $325/mo; $41 → $250/mo
Two dogs insured since 2015: one went from $28 to $325 a month, the other from $41 to $250. Raising the annual limit requires a policy reset with fresh waiting periods — and pre-existing conditions would restart too.
Verify on BBB ↗Embrace
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Brain scan for head tremors denied as pre-existing — because of prior itchy skin.
Verify original post ↗Embrace
Premiums +70%
All claims denied: a vomiting episode a year earlier (acid reflux) was treated as pre-existing for the later disease. Top comment reports a cat's full-mouth dental extraction denied over kitten-era gingivitis.
Verify original post ↗Embrace
~$900 claim
"They approved my claim this morning" — roughly $900 for a sudden GI illness. A commenter adds that Embrace can shorten its 6-month orthopedic waiting period to 2 weeks with a vet orthopedic-exam form.
Verify original post ↗Embrace
$550
Paid immediately — but all GI claims were excluded because the puppy had Giardia at enrollment. A clean picture of how narrow "covered" can be.
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