Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Susan Decker

I needed to clarify the information…

I needed to clarify the information requested and concerning a claim. Cassie was helpful and walked me through the steps. I appreciate the assistance - with a human and not a bot.
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5

out of 5

POSTED: | BY: April Everett

Impressed so far!

I am a new customer but so far I am very impressed with not only ease of use with their website but prompt reimbursement. I am a life long USAA member and Embrace is their preferred vendor so I am sure they will live up to USAA's high standards for customer service over the long haul.
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4

out of 5

POSTED: | BY: Tony Hamrick

This carrier pays Claims

I wish the policy reimbursed 80% instead of 70%
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5

out of 5

POSTED: | BY: James Bassler

Claim…

The process for submitting claims was easy. I will try to add to my review when I see how reimbursement goes. So far so good.
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2

out of 5

POSTED: | BY: Jane Doe

Terrible Customer Service

This is borderline a scam -- the insurance portion is alright, but cancelling is a nightmare. The sales rep will do everything in their power to keep you on the insurance. I finally was able to cancel, only to have them reenroll me in another policy a year later? Customer service is pretty much nonexistent or during extremely inconvenient hours (for someone not on the east coast) and there's no way of getting in touch other than reaching out over phone (and being put on hold). Do not recommend, insure your pet with a more reliable and customer friendly insurance like MetLife instead.
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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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