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: 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.
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.
5

out of 5

POSTED: | BY: Wanda Suggs

Quick & Easy Claim Submittal!Submitting the claim through MyEmbrace…

Submitting the claim through MyEmbrace with simple and quick! Thank you!
1

out of 5

POSTED: | BY: TTN

Don't be fooled by...

Don't be fooled by Embrace Pet Insurance low quotes! I have bought Insurance for my pet the past 10 years. Never, I was harassed by the pet insurance company. EPI try to intimidated me through paperwork, email, pre-existing condition to prolong the claim processing time (maybe avoid to pay for my pet's coverage)! When I had sick pet, the last thing I needed were stress, headache and fustration dealing with EPI! I write this review because I try to save pet owners from going through the experience I had with Embrace Pet Insurance.

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 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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