Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: Justin

The entire process is just simple and easy!

ease of claims submission; time to review claim; speed at reimbursement; honestly zero complaints at all! Really really impressed and happy with Embrace.
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5

out of 5

POSTED: | BY: Debra Lee

I highly recommend

I highly recommend. They have first-rate customer service, reimburse fast. Wish my own medical insurance was on par. They are Top notch!!!
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1

out of 5

POSTED: | BY: Dan Uli

Awful treatment to a vet and his service animal

Multiple email. Multiple calls. Unreal phone wait time. No return email, not able to leave a message. Absolutely no member benefits. Company has excuse after excuse. People are rude and blame the customer for their frustrations. Just a typical insurance company. My opinion is they’re in fact the worst. They play on people live for their animals. Which is in fact even worse. But here the triple whammy…. It’s USAA. A bank that tries to say they’re all about vets and their families. But…. They’re in fact just the average predatory bank. Don’t pay for this. Don’t thrown away your money. You’re going to have to pay the vet anyways. I’m the long run… they’re making money, and refusing to engage their customer base.as a vet, with his service animal…. These people have proven. Theyre no ally to us. Oh… and after all the money I’ve paid them. They’re still a balance. Lol! Can’t make this stuff up. They’re an awful company. 8/18 No mention of the ghosting and not returning any emails for weeks, an answering the phones for weeks. Nope… just the policy. Put the blame on the customer misunderstanding the policy. Wow! The fact that it took me weeks to even get on the phone with anyone (despite my many attempts to call and email with no response) which is what started all of the btw. Should say everything. Their response bellow is a very shameful attempt to deflect and change the subject. Insane. I honestly wouldn’t folks. Really…. Don’t say I didn’t warn ya.
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5

out of 5

POSTED: | BY: Christopher Waters

Easy to navigate

Easy to navigate. Direct questions. Easy to read and understand.
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5

out of 5

POSTED: | BY: Patrick Walsh

Alternative claim submission

The app was malfunctioning and had to send my documents and claim via E-mail. The embrace team was able to handle and process my claim being transparent through the entire process. Thank you. I would be in world of financial hardship if it wasn't for embrace, the cost of veterinarian care is astronomical.
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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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