Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,763

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: PuppyPower

The process of submitting a claim was…easy

The process of submitting a claim was very straight forward and it took me about 10 minutes in total to complete
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5

out of 5

POSTED: | BY: Suzanne Hallman Steward

Easy to navigate.

Easy to navigate.
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5

out of 5

POSTED: | BY: James Palmer

Two years in, was shopping around but not going anywhere.

I’ve been using Embrace for 2 years now. I pay something around $100 a month. This includes Wellness dollars that reimburse up to a certain amount per year. It’s basically prepaying on a monthly basis for expenses like haircuts, vaccines, medications… I’ve never had anything denied. My little baby also ate some poison a month or so into the policy. They handled the claims as promised based on my deductible. No questions asked, just kind words for a healthy recovery. I’ve been shopping around, and see a theme with 1 star reviews on trust pilot. They seem to be irrational and bad at reading terms and conditions. As they all seem to be good, bad and ugly at times, I’m gonna stick with Embrace.
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5

out of 5

POSTED: | BY: Samuel Gardner

Excellent Insurance, highly recommend.

Embrace has been a great insurance to have for my 3 dogs. When our toy Pomeranian was mauled by a huge Siberian Husky, Embrace refunded us without any hassle.
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1

out of 5

POSTED: | BY: Vince Anderson

The policy and or claim process is Frustrating.

I don't see how this company has gotten any 5 star ratings. I went through them because of being a USAA member and i received crazy good discounts. But like another client said they drag and draw out paperwork to the point it is frustrating. I've been a member for close to a year and half and between hearing, that issue is connected to a preexisting condition, you have not met your deductible amount, and oh that is part of our wellness plan. I have a wellness plan already why do i need another. All i wanted covered were my pups meds. As another customer stated don't be fooled by the low rates. I've faithfully made my payments every month on time and they drag their feet when it's time to pay. I would go somewhere else. I could keep going but what's the point, this is not the company you'd want to go through. God forbid your fur baby get's extremely sick and you need to get a quick reimbursement, it's NOT going to happen! Why USAA would align themselves with them is a mystery, because they definitely don't take care of their members.
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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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