5
out of 5
POSTED: | BY: Kimberley Seigel
I love Embrace
I love Embrace! Easy to use, quick resolutions, special expedited call line for USAA members.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,923
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: Mylinn Ngo
Great!
I’ve had nothing but good experiences with Embrace. When I called to change my insurance premium, the person helping me was very kind and helpful! Also, after I submitted my claim about my cats emergency visit which ended in euthanasia, I received a kind email sending condolences and also helped me close her account so I did not have to handle that. I really appreciated everyone’s help.
Thank you embrace!
5
out of 5
POSTED: | BY: Marilyne Nickerson
This is the first claim I have…
This is the first claim I have submitted to Embrace, the customer service has been excellent. My claim was paid within three days after my submission. I am very pleased with the service from Embrace.
1
out of 5
POSTED: | BY: Ed Dombrowski
Paid Only After Pressure – Serious Concerns About Practices
I’ve been an Embrace customer for a couple of years, and my recent experience was eye-opening.
When my dog needed urgent spinal surgery, the company initially denied basic diagnostic claims. They pointed to a temporary limp from hard play 18 months ago as a chronic spinal condition. The worst part is they added that condition after providing me a complete medical history that had no orthopedic pre existing conditions. They denied the claims then added the pre existing condition. Only after I escalated to executives, filed complaints with the Georgia Department of Insurance and the NAIC, and involved USAA (who recommended them) did they reverse course and eventually approve over $9,000 in claims.
Along the way I documented:
• Post-claim underwriting – adding new “pre-existing” items after issuing a clean medical history.
• Burden-shifting – language in their policy that tries to make customers prove a negative before coverage is restored.
• Misrepresentation of a medical record – statements about when they received my vet’s files don’t match the written evidence.
• Overbroad exclusions – attempting to block all future skin conditions based on two benign bumps.
Yes, they ultimately paid, but only after weeks of pressure. I’ve submitted formal complaints to regulators so they can evaluate whether these practices meet Georgia’s insurance-standards.
Pet owners deserve straight dealing, not shifting explanations after you’ve already paid for care. I will be looking for a new provider for my younger dog.
5
out of 5
POSTED: | BY: Barbara
We can always count on VCA to provide…
We can always count on VCA to provide the best care for our dog, Sadie, and to help when we ask for it.
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 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.