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: Paul

Absolutely Disgraceful

I'm a disabled veteran that only used Embrace because USAA endorses it. These people refused to process the claim to put my service dog to rest. It was her 3rd claim ever. This company gladly took tens of thousands of dollars from me over years with no claims then refused to acknowledge or even process the 3rd and final claim that would have resulted in a few hundred bucks of reimbursement. I would never in a million years send another dime to this company or refer them business.
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4

out of 5

POSTED: | BY: Cindy Fong

Quick and Easy

The computer website is much easier to use when submitting a claim. It was fast and easy and I appreciated that I could submit one receipt that covered multiple pets.
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3

out of 5

POSTED: | BY: Rich S

I was kind of little shocked when i…

I was kind of little shocked when i inquired about the bill for teddy. I asked the gentleman why i was charged 200 something one charge then another 600 again right away for his coverage. We have been a policyholder for Teddy since he's been 9 weeks old. He told me well that raise increase because our pet is getting older, well no dam kidding. That's why we got the insurance in the first place. I have insurance on myself and as a human I have more risk as i get older but my damn insurance does not increase! It stays at the same rate. When we got insurance we thought we got the best plus its associated with my other insurance USAA. I really do not understand this big of a increase from the time we started to now.
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5

out of 5

POSTED: | BY: Benjamin Berg

Extremely quick and efficient

Extremely quick and efficient, with good communication from the company and outreach to the service provider. Will continue to highly recommend Embrace for all our pet insurance needs.
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5

out of 5

POSTED: | BY: Susan Smith

excellent service for our dog Maggie

excellent service for our dog Maggie! Very easy to submit claims for her ACL tear surgery and then 4 PT visits for therapy to help her heal. Easy to use
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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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