5
out of 5
POSTED: | BY: Robert L
Quick and easy claims experience
Filing a claim was quick and easy and you mailed a payment very promptly. No hassle
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,322
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: Mary Lower
Regret Switching to Embrace Pet Insurance
I am a 20‑year USAA member and chose Embrace only because it was backed by USAA. That trust was misplaced. My experience has been nothing but frustration and obstruction.
My 7‑month‑old puppy broke her leg and required surgery. When I submitted the claim, Embrace denied it, citing a hidden “orthopedic form” requirement I had never been told about. How could anyone anticipate their puppy breaking a leg? That’s the whole point of insurance. Now I’m left with a $7,400 bill and no coverage.
On top of that, my claim for medication has been rejected multiple times. First they said the invoice was “not legible,” then later claimed it was missing my dog’s name. I resubmitted four times before getting this explanation.
I pay $350 a month and have had only one claim approved. The hoops Embrace makes customers jump through are unreasonable and feel designed to avoid paying legitimate claims.
I regret switching from Nationwide to Embrace, even with the so‑called USAA discount. This company has been a complete disappointment, and I will be reporting these practices to USAA.
Disgusted and regretful customer.
5
out of 5
POSTED: | BY: Mary Mould
It did take a while to get my first…
It did take a while to get my first claim completed, but once completed funds were in my account the next day.
1
out of 5
POSTED: | BY: Fred Howard
Unhappy claim handling
To much back and forth to get a simple claim paid in a timely manner. Question after question. Needed proof that I canceled a previous policy from a different carrier. Why should that even matter. I had also recieved a note about pre existing condition. After 4 messages back and getting the proof of the canceled policy it finally went through. I can say that everyone I spoke with was nice and I was not which is not like me but I was ready to cancel and try another company but hopefully things will now go smoother.
1
out of 5
POSTED: | BY: Consumer
Exorbitant annual price increases
I’ve been a client since 2018 for my 3 dogs. I was very happy in the beginning but they will slowly at first, then later rapidly and exponentially increase your premiums until you are forced out. Mine went up over $400 a month for next year!! They are essentially forcing me out.
Would definitely NOT recommend!
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.