Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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: Sky’s Mom

Diagnosis not listed as a choosable…

Diagnosis not listed as a choosable option while being told that because of that claim will be delayed even though diagnosis is listed on included paperwork. This is my first claim so in a learning process.
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5

out of 5

POSTED: | BY: Elizabeth

It is so easy to submit claims.

It is so easy to submit claims.
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5

out of 5

POSTED: | BY: Jodi Birkemeier

Wonderful quick service

The ease of claims and they answer every question I have asked in a reasonable short time period.
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1

out of 5

POSTED: | BY: KAT MANDELSTEIN

Don’t let their USAA affiliation fool you, not the level of service of USAA

I had chosen Embrace because I have had USAA insurance for over 40 years with excellent customer service and claims processing. Embrace is a nightmare to deal with! I have cancelled the policy on both my dogs and move over to SPCA insurance where I had excellent customer service and claims processing on my last dog. They may be a little more expensive a month, but worth every penny not to have to deal with Embrace ever again. They are terrible.
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4

out of 5

POSTED: | BY: Vernon Steele

The application process seemed very…

The application process seemed very smooth and straightforward.
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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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