Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Kristi Brockman

I am very impressed with Embrace Pet Insurance.

I was thoroughly told what is pre-existing and not covered with the insurance I purchased. Still I was grateful to learn in time from one customer service representative that exams, shots, testing for urine and fecal that this is the Wellness saving plan that is necessary and separate and charged separately than the insurance policy. Still both policies worth the money for exorbitant veterinary costs for many animal health issues. Thank you Embrace claims representative and customer service people. Sincerely, Kristi Brockman.
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2

out of 5

POSTED: | BY: John

My pet was insured by embrace for about…

My pet was insured by embrace for about 5 years. I am a long time customer of USAA for 55 years which is why I joined. Two years ago I had a problem moving from San Diego to Palm Desert and had to drop his coverage. Last week I called to reinstate his insurance and was turned down due to my dogs age 10 years old and his location, Palm Desert. I was really disappointed. So Healthy Paws stepped in and insured him for $40 less s month than embrace. I called embrace but it would not change its decision. This remains a disappointment.
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1

out of 5

POSTED: | BY: Jeanne Shaw

I would give it 0 stars as a new…

I would give it 0 stars as a new customer if I could. Everything went wrong it seemed, all due to Embrace glitches. Hopefully I won't forget not canceling within the first 30 days with all the red flags that came up that I should have. No claims yet so I can't speak to that.
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5

out of 5

POSTED: | BY: Illiam Cintron

Quick claims and payments

Quick claims and payments
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1

out of 5

POSTED: | BY: Jessi J

I contacted the company regarding a claim

I contacted the company regarding existing conditions and was told that anything treated by the vet in my pet's history would be excluded from future insurance claims. I've now learned that this also included any questions I may have asked my vet that did not require treatment, like a bump that was no big deal, did not receive any care other than the vet looking at it and telling me it was possibly a bug bite, but nothing to worry about....just a question I asked at an annual appointment that my vet, who takes good notes, jotted down. This made me feel like the company was a total scam.
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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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