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.
I have had Embrace since Sept 2022 for my adorable, lovable cocker spaniel. They always process claims very quickly and I have only had to call them once and that was just this week and my problem was solved immediately
From Deal-Breaking Claim Denial to a Happy Ending!
Update: I changed my review from 2 to 5 stars because Embrace responded to my post and resolved my concerns. Though Embrace could have handled the initial situation better, I gave them 5 stars overall as you don't really hear about insurance companies that pay a claim that they could have denied due to fine print in the policy. Instead, Embrace helped me file my claim appeal. In turn, the insurance underwriter reviewed the totality of my circumstances and finally approved my claim two weeks later.
Though I still disagree with Embrace's claim submission timelines, at least I now understand how Embrace and the pet insurance industry overall differ from USAA in that regard. I still wish the initial Embrace agent or their supervisor had given me the option to appeal my claim denial without resorting to a critical online review to gain a more in-depth response to my situation. However, I also wish I'd initially understood key claim submission procedures written into the policy. I'm grateful it all worked out without costing my family $500. As mentioned below, all Embrace staff I interacted with were friendly and professional.
My original complaint is below:
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As a 30+ year USAA member, this is the first time I've been dissatisfied with USAA or one of its partner companies, Embrace. For over a year, my family was very satisfied with Embrace, so it's tragic to run into a single deal-breaking incident Embrace declined to resolve.
Specifically, Embrace declined to consider a claim because I missed their internal 60-day deadline to file. It was a tumultuous time for my family and we're still new to pet insurance and being pup parents. For all of our other insurance policies, as long as we can definitively prove the incident occurred while the policy was active, the insurance company will honor the claim. By declining to even review a claim due to my first-time procedural misstep, they broke my trust.
Nevertheless, Embrace has a right to decline a claim due to their nonstandard and inflexible insurance policy fine print and do so without exception. In turn, I can choose to walk away as a client. The few times I've had to file insurance claims with USAA, I'm grateful USAA never turned me away for procedural reasons. As soon as our pup's injuries have completely healed, we'll switch to another company.
To be fair, for the claim Embrace did process, I found their portal easy to follow and the claim was reviewed and paid in 2 weeks. All Embrace staff I encountered online or over the phone were professional and kind. Embrace could be the right fit for other pet families, just not us anymore. Hopefully, this review is helpful.
I submitted my claims more than a month ago. Every time I sent messages or emails I didn’t get any response. I submitted all required papers from my veterinarian. I just got the response it can take up to a month. Finally I got an email saying that my claims are on “review” and I should wait. The worst insurance ever.
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.
