Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Helmut Reiterer

THEY ARE SCAM

Make everything excuse and every little excuse in order not to pay you.. just because they're speak nicely doesn't mean what they are telling you is B.S. EMBRACE IS SCAM like every other insurance company. DO NOT TRUST THEM.
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5

out of 5

POSTED: | BY: Cherry Castaneda

Pet embrace through USAA

I had pet embrace through USAA. Your in good hands with pet embrace they paid my claims fast within 24-48 hours it gets directly deposited to my checking account and reliable. I am so satisfied and happy I switch to this pet insurance for my 2 cats, Tabby and Opal.
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5

out of 5

POSTED: | BY: Karen Mead

Embrace has always been amazing with…

Embrace has always been amazing with quick easy claims process and excellent customer service.
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4

out of 5

POSTED: | BY: Kathy

My first time with Embrace insurance…

My first time with Embrace insurance for my dog. Submitting claims very easy, my first time and will see how the process goes.
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3

out of 5

POSTED: | BY: Steven

Do you research before getting insurance

I have never submitted a claim to Embrace without having some sort of issue, unless it’s a Wellness claim if you have paid extra for a Wellness plan. After having them for a year, I submitted my first non-Wellness claim and it took 4 months to go through. I had to send them my pet’s medical records multiple times, with them saying they needed medical records to cover since his birth. We gave him the records the Humane Society gave us, and they wanted the records from before that. How are you supposed to get medical records on a stray?? Getting them to accept a claim is like pulling teeth. Shop around for insurance before picking.
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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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