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.
3

out of 5

POSTED: | BY: GAYLE Battaglia

After much research, embrace was a mistake.

Most claims were rejected even with the extra coverages purchased and customer service was unhelpful or non responsive. Enrollment took forever due to lack of follow up on their part. The best experience I had was with Clay when I cancelled my policy this week.
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4

out of 5

POSTED: | BY: Jan Pitman

Embrace is an excellent insurance…

Embrace is an excellent insurance company for your pets! I highly recommend them. They are timely and fair with their reimbursements. I just received over $1,000 reimbursement for my dog’s dental surgery and am very thankful. I gave them four stars, because they are hard to get a hold of on the phone. However, they are timely through the email claims process, which definitely matters the most!
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3

out of 5

POSTED: | BY: Robert Lathrop

Could not find a diagnosis for…

Could not find a diagnosis for emergency care. This was an emergency visit. Your suggested areas did not adequately cover visit.
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4

out of 5

POSTED: | BY: Pit Mom

Great customer service

We've had Embrace for at least 4 years and until recently are 6year old Pit passed away. They were very helpful to get claims quickly processed and due to our time of grief, we forgot to cancel the insurance and they refunded the months we were charged before her death. We appreciate the care and understanding
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5

out of 5

POSTED: | BY: mary rizza

Good Experience and Decision

We are new to EMBRACE through USAA. The experience has been positive and the coverage for the cost is affordable. They are easy to contact and answer all questions. Folks I have spoken with have been knowledge and friendly. They tell you the facts so you can make the decision necessary. Highly recommend.
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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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