Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,770

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: Nancy Barca

Very Satisfied customer

Your claims department is very efficient, handles claims quickly and made it easy to speak to my claims adjuster. I had to do an appeal and it was handled very quickly as well. I am very satisfied with the service Embrace insurance provides.
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5

out of 5

POSTED: | BY: Jeffrey Abad

Filing claim was quick and easy

Filing claim was quick and easy. The online option to file a claim made the process a breeze.
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2

out of 5

POSTED: | BY: Lizette Hernandez

The app and website were super slow

The app and website were super slow. It took about 40 minutes to submit a claim because both kept freezing.
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5

out of 5

POSTED: | BY: JoeD

Our Lulu. RIP.

Had Embrace for only a few years. They were awesome. I also recommended them to my daughter , who just got a puppy. Get it as soon as you can. Worth the monthly premium. We just had to put our dog down. They were great to the END. Thank you for being part of USAA. JoeD.
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4

out of 5

POSTED: | BY: Dee Austin

A penny saved is a penny earned

My experience was good in the sense that now that I know what not covered I don’t have to waste money on insurance since nothing really that I would need it for is covered. I appreciate the representative taking the time to go over the records and to let me know. That was very helpful because I had been paying for a lot of coverage that I would not even need. I think my dog and I will tough it out as he’s been doing and we will continue to find natural remedies for what may or may not be allergies. His situation is not confirmed yet with the doctors to know what exactly the issue is but since there is no coverage for it, trying to pay on my own is a bit much. This has saved me time and money.
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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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