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.
2

out of 5

POSTED: | BY: Blyler Nahodil

It takes for ever to review the bill

It takes for ever to review the bill. And you don’t pay hardly anything. Very disappointed!!
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5

out of 5

POSTED: | BY: Cristina Johnson

Embrace is easy to use

Embrace is easy to use, quick to respond, and generally quite clear about what they will cover. No issues other than if you miss the cut-off date (contract date).......just be sure to know when you need to submit!!
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5

out of 5

POSTED: | BY: Susan Tipler

Always as helpful as I would hope for

Always as helpful as I would hope for. Always attended to promptly.
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5

out of 5

POSTED: | BY: Anastasia & Pedro

Reassurance

I am always so reassured using Embrace. I don't have to think about covering my dog's care because they are so responsive and make invoice submission very easy.
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3

out of 5

POSTED: | BY: Pam Backofen

Pros & Cons

Pros: • We’ve been with Embrace for 10 years, and overall they’ve been very reliable. • When claims were mistakenly flagged as “pre-existing,” my vet provided documentation and Embrace corrected it and paid. • Customer service has been fair and responsive. Cons: • Premiums rise every year, no matter the policy type. • Currently paying over $500/month for two dogs (one older, one young and healthy). • The USAA member discount is minimal and hardly noticeable. Overall: Embrace has been trustworthy when it comes to paying claims, but the steep and ever-rising premiums make it hard to justify the cost — especially when one pet has had no health issues at all
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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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