Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Phil A

I’ve had a policy since Dec 2022 and…

I’ve had a policy since Dec 2022 and will not renew. Today, 7/3/23, was the first time a claim was approved and , of course, it went to my deductible. My dog was denied for a pre-existing heart condition that was due to a vet saying, during an exam, “I think I hear an irregular heart beat”. The vet followed up with a heart exam (ekg, echo,etc) and said there was nothing wrong with her heart. But Embrace declared a permanent denial of this “so called preexisting condition”. I made a mistake and took her to the vet one day before the policy effective date. Therefore, everything discussed during that visit, ears, eyes, etc. is now a preexisting condition.
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5

out of 5

POSTED: | BY: Lynn Phillipi

Embrace Pet Insurance (associated with…

Embrace Pet Insurance (associated with USAA) is very affordable and has options to get reimbursed for grooming, training, as well as hospital visits and emergencies. The staff is very courteous and helpful. I highly recommend Embrace Pet Insurance.
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5

out of 5

POSTED: | BY: Daniel Rotstein

Easy to use claim procedures

Easy to use claim procedures, good records of dates and treatments, easy access of information.
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5

out of 5

POSTED: | BY: Judy Zukas

I had an inkling that vet bills were…

I had an inkling that vet bills were just as high as regular doctors because my daughter has spent a fortune on her cat, so i got insurance on our new dog, and in her second year se got a stomach infection and our first bill was over $600! So glad i did, !!!
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5

out of 5

POSTED: | BY: Tyrone Bradford

The overall experience submitting a…

The overall experience submitting a claim was very seamless and very easy.
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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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