Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Traci LoGiudice

Terrible policy don't be fooled as…

Terrible policy don't be fooled as other reviews have mentioned. I thought it would be the best pet insurance co because they are connected to USAA. They are not! I have only had my policy one year NO CLAIMS. They raided my monthly payment from $72 to $135. NOT ACCEPTABLE. I could have gone with a different company but I didn't because of the USAA connection. Not sure what to do now that my pet is another year older. Totally deceived .
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5

out of 5

POSTED: | BY: MARY FALCONER

Lifesaving surgery for my dog

My dog, Maya, needed lifesaving surgery to remove an intestinal mass. I submitted claims to Embrace, and they acted on them very quickly and compassionately. The last thing you need when your pet is in critical condition is to worry about whether or not your insurance company will cover the claim. The response from Embrace was swift and eased my mind.
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5

out of 5

POSTED: | BY: Victoria Silva

It is so easy to submit a claim

It is so easy to submit a claim. They promptly review the claim and respond. I have had this insurance for both of my dogs and I have been extremely happy.
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2

out of 5

POSTED: | BY: A Lopez

I'm not happy less then year I been ask…

I'm not happy less then year I been ask them to change my pay period at the end of the month because that when i get pay.they told me they can do that so they say they take my money out 28 every month i say ok .if i didn't check my my bank account realized they took out my money on the 25 nov 2024 i wasn't very happy it seem there are taken advantage of me so i cancel my policy and i went searching for another pet insurance found one that understands me and my money this company allows to my money on the day i get pay that is end of the month and im so happy with this new pet insurance company they listen to my concerns and my money.
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1

out of 5

POSTED: | BY: Katie Roncace

They denied all of my claims for absurd…

They denied all of my claims for absurd reason. Fraud company! If I could zero stars, I would.
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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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