Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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.
4

out of 5

POSTED: | BY: Megan Jones

Good for a long time but prices keep going up.

Has embrace for about 7 years for two dogs. Really wonderful insurance. Quick to reimburse and not a lot of fighting with them. We had one incident where they would not cover a pre-existing condition, except even the vet stated it wasn’t pre-existing. They helped us through several pet emergencies and illnesses. The reason we quit was simply pricing. Every year the premiums were going up and by year 8 we were paying almost 6 times the original premiums. found cheaper insurance with lemonade that covers more. They did make it very easy to discontinue.
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5

out of 5

POSTED: | BY: Brian Shea

Our precious 6-year old dog was…

Our precious 6-year old dog was recently lost quickly due to an aggressive cancer. There were some quick-hitting veterinarian and hospital bills as a result. Embrace Pet Insurance honored the contractual agreement to provide coverage. They were quick to review, communicate and reimburse fully per the terms of our contract. They were also compassionate in their messaging, which is crucial when you are being crushed by sudden grief as a pet owner. Will definitely return as a customer to Embrace Pet Insurance in the future.
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5

out of 5

POSTED: | BY: Patricia Garcia

Comforting acknowledgment

I spoke with many pet insurance providers, and my choice for Embrace was because of the reputation and representative he was willing to provide answers without being inpatient with all my questions and concerns. He was very experienced regarding pets and the needs that different breeds may encounter, and what separates Embrace from all the others. Needless to say I’m very confident with my decision.
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1

out of 5

POSTED: | BY: Elias Martinez

Terrible company should be associated with USAA

Terrible company and worst feedback provider!!! Break off your association with USAA. They are for Veterans, and treat us with respect. YOUR company looks for any opportunity to deny a claim due to pre existing conditions. It was easier filing a car accident claim then a claim for a emergency with our puppy. We will be canceling and looking for a new provider. If there is way to let USAA know how you treatments I'll be doing that also. If this is posted for public viewing look elsewhere for coverage. They paid our claim but made the process very difficult!
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2

out of 5

POSTED: | BY: Wylie

Rate increase

Claims process is always quick and easy. However the low rating is due to the rates increasing $30 a month each year
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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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