Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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.
5

out of 5

POSTED: | BY: Michele

Embrace is a must!

I have been telling people - get pet insurance! Our dogs - especially our little boy (accident prone) has definitely used his insurance. We are fortunate to have it! It’s easy to submit a claim and get reimbursed. Plus whenever we’ve had to talk to the staff they’ve all been great. Thank you!
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1

out of 5

POSTED: | BY: Margarita SHobbs

This company cancel my insurance

This company cancel my insurance, and never make the effort to contact me, I got a new card and I forgot change the card in the file. And went I call to reinstall my insurance they refused to put all my cats, only the youngest. Is all about money no about the pets.
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5

out of 5

POSTED: | BY: Customer

As new pet owners

As new pet owners, we decided to ensure our puppy is protected with unforeseen illnesses/accidents. We researched many options and purchased Embrace given their association with USAA where we have been members since 1966. Totally happy with our first claim experience.
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5

out of 5

POSTED: | BY: Jamie H

This is the first time I've ever…

This is the first time I've ever invested in Pet Insurance. I tended to believe it would be more hassle than it was worth to get claims submitted and covered, but after doing some research I chose Embrace and I'm really glad I did. I've submitted a few claims for minor issues and have been reimbursed for all covered costs after having reached my deductible. The claim submission process is super easy and straightforward and my claims have all been processed in what I consider to be a timely matter with no hassle or pushback. Excellent coverage and customer service.
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1

out of 5

POSTED: | BY: Thomas Jones Thom

Misinformed representatives & poor customer service

An Embrace rep told me in the fall of 2023 that a specific cat food I want to use was covered under their Wellness plan as they do cover certain pet foods. Now, February of 2024, after having made several claims for the food my cats use, a rep says that it's NOT covered, even though they actually paid a couple of the claims. The rep did nothing to resolve my complaint, and it seems that none of their reps are on the same page and knowledgeable about what their policies cover. Customer service is horrible, and I can't stand working with a company when their reps give misinformation. I'm currently looking for a new pet insurance company.
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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.
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