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: Anonymous

This was our second claim on this dog…

This was our second claim on this dog this year and the claims process was much better. I am assuming this is because Embrace has already received all of the dogs medical history and verified that she is health through her records and Veterinarians. The first claim was a nightmare and took forever to resolve. Not satisfied to this day.
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5

out of 5

POSTED: | BY: Nancy Barca

Very Satisfied customer

Your claims department is very efficient, handles claims quickly and made it easy to speak to my claims adjuster. I had to do an appeal and it was handled very quickly as well. I am very satisfied with the service Embrace insurance provides.
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5

out of 5

POSTED: | BY: Jeffrey Abad

Filing claim was quick and easy

Filing claim was quick and easy. The online option to file a claim made the process a breeze.
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2

out of 5

POSTED: | BY: Lizette Hernandez

The app and website were super slow

The app and website were super slow. It took about 40 minutes to submit a claim because both kept freezing.
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5

out of 5

POSTED: | BY: JoeD

Our Lulu. RIP.

Had Embrace for only a few years. They were awesome. I also recommended them to my daughter , who just got a puppy. Get it as soon as you can. Worth the monthly premium. We just had to put our dog down. They were great to the END. Thank you for being part of USAA. JoeD.
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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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