Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: T G

⭐ Review

⭐ Review: Embrace Pet Insurance via USAA – A Cautionary Tale I used to trust Embrace through USAA. They were once top-rated, scoring 4.6 or higher, and I believed they offered real protection for my pets. But that trust unraveled quickly. One day, my pug was in excruciating pain—screaming when I tried to touch him. I rushed him to the vet. Bloodwork didn’t reveal the issue, so we did an x-ray. That’s when we finally found the problem. I submitted the claim to Embrace, expecting support. Instead, they denied it, calling it a “pre-existing condition.” How could it be pre-existing when I didn’t even know it existed until the x-ray? Their six-month orthopedic waiting period is a trap. It punishes pet owners for seeking answers and forces pets to suffer unless you wait out their arbitrary timeline. I appealed. They denied it again. This isn’t just poor service—it’s a system that gaslights pet owners and dismisses urgent care as a technicality. And now they’re sending marketing emails asking me to come back. No thanks. I’ll never trust them again.
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5

out of 5

POSTED: | BY: Sandra Lima Porter

1st I called Embrace as I forgot user…

1st I called Embrace as I forgot user name & password. The wait was longer than I cared to wait but the person that handled the call was patient, understanding & helpful. She than helped me make a claim. And she made everything easy to understand.
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1

out of 5

POSTED: | BY: Carl Valenta Dahlia_grower

DO NOT USE THIS COMPANY

I've had embrace pet insurance for years. Never had a claim...never missed a payment. Rates started going up, $80 became $130...terrible..everything's going up..I get it... my dog is now getting older now and they just increase his coverage to $336 a month, if I change to lowest coverage its $160 a month for basically no coverage. Pricing my dog out of care. They know what they just did, that's why they sent me a letter saying what they did is legal in the state of Colorado. STAY AWAY FROM THIS COMPANY Please read the lies they sent me as a reply before you sign up for this company, because thats what you will get if you give them money, LIES
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5

out of 5

POSTED: | BY: Emma Burke

Super easy online claim process.

Super easy online claim process.
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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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