5
out of 5
POSTED: | BY: Kim Pavuna
Cover a majority of issues
They cover most expenses.
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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.
5
out of 5
3
out of 5
POSTED: | BY: James Doty
Read the fine print
Read the fine print, and then just understand it's an insurance company with the main goals being (1) collecting your premiums and (2) denying your claims. My dog had a lipoma, but I wanted it tested to make sure it was benign. Because my dog had a lipoma in his past, ALL lipomas and lumps and bumps are considered pre-exisiting conditions, and are not covered. The insurance contract is written in a way to be vague about this, but the staff will go out of their way to explain things in their favor. I am sticking with them for now, despite that they've never paid a claim AND they raised the premium just recently, but only because I have resolved to accept that this policy is nothing more than a catastrophic policy, should my dog break a bone and need surgery, or something like that. For any other purposes, it's useless (and VERY expensive, even with the USAA discount - incidentally, it's disappointing that USAA affiliates with a company like Embrace, as these are definitely shady practices).
5
out of 5
POSTED: | BY: Lynn Michalson
Claim process using Portal is quick and easy
Claim process using Portal is clear, quick and user friendly.Wonerful Customer Service.
5
out of 5
POSTED: | BY: Teresa
Easy to submit a claim
Easy to submit a claim.
Although I found it a bit tedious to get signed up and clear all the preexisting issues two years ago, since then it has been very easy and virtually stress-free to file our claims. We mostly have had wellness claims and I'm very happy that our pups are generally healthy.
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 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.