Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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.
1

out of 5

POSTED: | BY: Lauren O'Kelley

The worst pet insurance

The worst pet insurance! They denied coverage of an issue that was diagnosed 6 months after starting the policy. Even after my vet wrote a note stating that their reason for denying the claim was not pre-existing, they said they would appeal within 15 days and then never updated or paid the claims. I wish I had used literally any other pet insurance because now these issues are pre-existing.
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5

out of 5

POSTED: | BY: Consumer

USAA made the right choice partnering…

USAA made the right choice partnering up with Embrace. I have Frenchies and they are my world and there’s no way I’d choose another pet insurance company. Embrace’s enrollment, claims, and reimbursement processes are best in class and their premiums are the best in the sector. My average reimbursement is processed and in my account with 2-3 business days. Not even auto or healthcare does this this fast! I trust Embrace with my ESAs and always will! Plus their customer service and claims team support are the nicest and most efficient professionals I know. I’ll be with Embrace for life.
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5

out of 5

POSTED: | BY: A.M

Professionalism

The agent I spoke with was very professional and knowledgable. Most important he was patience with me. He took the time needed to ensure I understood my policy.
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5

out of 5

POSTED: | BY: Gloria Mantanona

I just started to purchase this…

I just started to purchase this coverage for my dog, Huey last week, for a couple of reasons: One being affiliated with USAA where I have a bundled coverage and know that your Pet Insurance will be the perfect coverage for my dog. Second is, for what Stephanie had thoroughly explained, it just made so much sense to purchase the coverage. I just hope my dog will not have a serious illness or accident in the future but if this happens, I know and will ease my mind that it will be covered or maybe part of it will be.
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5

out of 5

POSTED: | BY: Lin Griffin

Peace of Mind

Have been with Embrace for 10 years plus. Easy to navigate the site. Claim submittal easy and quick. Processing is reasonable with explanation of why or why not claim maybe not fullfilled. Never have any issues. AND the doggie 'fetching' is cute.
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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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