Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1

out of 5

POSTED: | BY: Shaye Holdaway

Insane yearly renewal increases.

I thought the company was great because of the coverage I got for the price monthly for an older dog. However, my policy just renewed and it went up from 80$ to 150$ per month which is more than my own insurance as a human. My dog is older (9) but we had no claims and no health issues last year, so no reason for the insane increase besides their algorithm. Beware! I will be switching due to a 47% increase if you’re looking for pet insurance. They said 25-35% is the average yearly increase.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Rose Bielec

USAA discount scam and find ways to refuse coverage

As a USAA member I joined Embrace due to the discount. I paid $38 a month for a 1 yr old Yorkie. Now that she’s 2, the price increased to $53!!! In the past year I tried to make one claim, for kennel cough which was rampant. I was denied and told I had to wait a year for her to be cough free!?!? I had taken her to get her shots 3 days prior to my vet visit and noticed a lump on her butt. I ask the vet if it was because of her shots and she said probably. I declined aspirating it unless it didn’t go away. Embrace then said they would not cover any lumps, bumps, or cancer until I had it aspirated. It went away. What am I to test? The vet also told me to brush her teeth better because she has a bit of tartar on her tooth. Embrace said they wouldn’t cover any dental stuff until I had her in for a complete cleaning! I never even made any claims for lumps, bumps, cancer or teeth issues…but it’s like they find a way to block paying for anything in the future! And my rates increased!!! Their website doesn’t work half the time. Terrible customer service. I hope USAA sees this and drops them!!
Read more on Trustpilot
5

out of 5

POSTED: | BY: susan wolfe

Excellent great customer service … quick…

Excellent customer service … quick response!
Read more on Trustpilot
5

out of 5

POSTED: | BY: beckyldodgeyahoo.com

Simple to submit claim

Simple to submit claim, response is prompt and when I contact you about something always are courteous and helpful.
Read more on Trustpilot
Please leave a review

Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
Provider website

Get a quote today

Leave a review