Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Erin Cowell

Easy, Fast, Friendly

It is very easy to submit the claims, and the process is completely straightforward. I am reimbursed quickly, and I have never had an issue with denied claims. I've had to call Embrace once for help with changing my coverage levels and was met with a very friendly and helpful employee who was able to get everything changed quickly. We have been nothing but happy with Embrace so far!
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1

out of 5

POSTED: | BY: Laurie Asher

I would like to cancel my subscription

I would like to cancel my subscription. In 6 years of having this insurance I was finally paid out about 30% for my first insurance claim. Service was slow and payout was terrible.
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1

out of 5

POSTED: | BY: Sandra Ossman

Pre-existing conditions

I will be dropping this insurance and may drop USAA along with it. They don’t even have to have a diagnosis to call it a pre-existing condition. I mentioned my puppy had one soft stool at a well check visit and this became a pre-existing condition for diarrhea even though there was no diagnosis or treatment. A couple of weeks later she truly had diarrhea and they refused to pay anything on the vet visit. With that said, keep in mind when you talk to your vet about any medical issues with your dog or puppy it will go into their medical notes and can become a pre-existing condition for a new insurance.
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5

out of 5

POSTED: | BY: Linda

Easy to use

Easy to use. Employees very knowledgeable and competent.
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5

out of 5

POSTED: | BY: Ashley Wright

Having Embrace helps with peace of mind…

Having Embrace helps with peace of mind when my cat needs to see the vet. Embrace make submitting claims easy, and has saved me so much money over the long run from unexpected illnesses.
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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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