Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Melanie Moss

Very fast processing of claims

Very fast processing of claims. Would definitely recommend. Have had this current policy for 5 years and no issues whatsoever being reimbursed.
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5

out of 5

POSTED: | BY: Stephanie Bavaro

USAA made Embrace quality Pet Insurance more affordable

I have such a lovely and healthy little dog that has never had one health issue (knock on wood), but since I have USAA, it made getting pet insurance a little more affordable (I needed to change companies). I like the peace of mind of pet insurance and hope never to have to make a claim. The enrollment process was simple and straightforward.
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5

out of 5

POSTED: | BY: Roy

Embrace has always been great at paying…

Embrace has always been great at paying claims. Before I had Medicare, I wished they did people insurance.
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1

out of 5

POSTED: | BY: Lisa D.

They Would Rather Believe The Report…BELIEVING FALSE INFORMATION & DISCONTING Further PAYMENT!!!! My DOG Is Almost 14 Yrs. Old! SOUND ODD TOO YOU?????U

They Would Rather Believe The Report From The Doctor OVERDOSING My Yorkie, Than The 3 Doctors Including The Specialty Emergency Hospital That Saved Her Life From Him OverDosing Than 3 OTHER DOCTORS WHO SAID SHE WAS OVERDOSED BY THAT 1 DOCTOR!!! They have Paid For Her Medication For About 12 Years, Now Has Stopped & Said They Were Wrong In Paying IT!!! What KIND Of CRAP Is THAT!!!!!
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3

out of 5

POSTED: | BY: Keoni

Frustrating and disappointing process

I really wanted to feel good about having Embrace as protection for my pets, but the experience has been frustrating. The claims process is slow and feels like it takes way too much effort on my end. Communication isn’t always clear, and I’ve had to follow up more than I should just to get simple answers. While the coverage itself is okay, the amount of stress and time it takes to actually use it makes me question whether it’s worth it. Pet insurance is supposed to give peace of mind, but instead it’s been another source of stress.
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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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