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.
5

out of 5

POSTED: | BY: Annise Dobson

Great staff, straightforward reimbursement, clear website

You do need to take the extra step of reimbursing your bills but the Embrace staff are excellent, the document submission is straightforward, and they have reimbursed everything we've requested without hesitation.
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5

out of 5

POSTED: | BY: JL Bryant

Great customer service

Great customer service
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1

out of 5

POSTED: | BY: Alex Aldrete

Embrace not getting claims processed.

So far very unhappy. They appear to regularly not get the paperwork that is sent to them so they don't process claims. They have an upload portal for documents, that they never check. Hold times on the phone are 30+ minutes. So far it has been a nightmare. I would have expected better from someone USAA was promoting, but I guess competence is hard to come by. I guess I should have done more research and gone with a different company. I will be fixing that mistake.
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5

out of 5

POSTED: | BY: Denage

Claims are handled quickly and…

Claims are handled quickly and efficiently. I really appreciate the fast turn-around for receiving payment.
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5

out of 5

POSTED: | BY: Betty Delisle

Very helpful in regards to pulling up…

Very helpful in regards to pulling up Bruno in the system and letting me know how to proceed
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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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