Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Raymond Marine

Embrace Will Cheat You - Do Not Use Them

After 10 YEARS With Embrace, I Can Honestly Say, They Will Come Up- With Excuses Not To Pay You For Your Dog's Seminal Check Up! Since December 2024, I Have Been Paying $110 MONTHLY for My Dog Insurance. They Raise My Monthly Payment every 3 1/2 Years. My Last Vet Checkup Bill was roughly $464.00, but Embrace Only Paid Me FOUR DOLLARS AND NINE CENTS! When I Complained, They Said I Filed Two Days Too Early Before My Next Payment Date. Ths is The Second Time Embrace Has Cheated Me Out of Hundreds of Dollars. I Have Always Paid Them on Time and Have Not Had Any Major Dog Surgery Problems. You need To Go To The Vet Within The Dr. Time Frame For Seeing Your Dog. I Have Complained To The State Insurance Agency That Overseas Embrace Dog License. I also Sent In two Letters From The Embrace Portal Showing i was Told I Would GET MORE MONEY. They Gave Embrace 165 Days To Respond. I Am Still Waiting To Hear The Response From (Sorry A$$) Embrace. By The Way, Embrace Is Owned by USAA LiFE IINSURANCE Which I have Been With For Over 50 Years. USAA Did Not Give Me The Time Of Day When I Complained To Them. For The Last 7 Years, New Management Has Taken Over. USAA and Run It Into The Ground! USAA Used To Be An Excellent Company--Not Anymore.
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5

out of 5

POSTED: | BY: Pamela Davis

I love the app

I love the app. Great turn around request and response. Fast reimbursement. Pleasant representative.
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1

out of 5

POSTED: | BY: Kyle Egan

STAY AWAY

I have had Embrace for just over a year now. I have 3 claims, one was denied which is ok, it was within 14 days of getting the insurance, however the other 2 are still "on hold" even after giving ALL information requested. I have paid so much money to them and they refuse to honor my policy. STAY AWAY FROM THIS INSURANCE COMPANY
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5

out of 5

POSTED: | BY: susan s

Was easy to submit wellness claim

I like the fact that claims are easy to submit. Unlike logging into my bank, the Embrace IT system works well. That’s something I appreciate.
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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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