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.
5

out of 5

POSTED: | BY: Marnie Strate

I have had Embrace for over 10 years…

I have had Embrace for over 10 years and they have always approved and paid my claims promptly. Recently my older dog has had an increase in health issues including some expensive diagnostic testing. Every claim has been approved.
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5

out of 5

POSTED: | BY: Thomas Dresser

Fast review of submitted claims and the…

Fast review of submitted claims and the individuals that I communicated with were very helpful and responded to all my questions.
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5

out of 5

POSTED: | BY: Roland Aguilar

Very simple to use

The app is very simple to use
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1

out of 5

POSTED: | BY: Hugo Matos

Don't waste your money

This is the worthless insurance company, don't waste your money on them, I have been trying for 30 days to file a claim and its impossible to get a straight answer from their costumer service, all they do is repeat same "cue" cards notes. They keep asking for the same documents over and over again. Tipical insurance company scam. What makes it worst is that they are connected with USAA. They don't deserve a star
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5

out of 5

POSTED: | BY: Scott Olsen

Recommend Embrace

After rescuing a 4 week old stray and experiencing the costs associated with saving him, I decided to obtain pet insurance. EPI was a tagline to my USAA Insurance, and after reading reviews on 6 or so other companies, went w/them. Short version: These folks are great. Vincent, one of my Tux's had a major mucus plug, UTI and was urinating all over the house. The final bill (Hospitalization, surgery, feline, recreational drugs, et al, was over $2K. Vet and I submitted ppwrk and all notes to Embrace. They paid out promptly, minus the deductible. The yearly fee for both cats has already paid for itself.
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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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