3
out of 5
POSTED: | BY: Ms JENNY RUSSO
Last year charges
Not very happy I wasn't able to submit my dog's vaccinations charges from last year.
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4.9
out of 5
Number of reviews 20,332
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: Lynn Shepard
Embrace Pet Insurance was a good choice!
I purchased the policy for my dog last year and she has always been healthy but I wanted to make sure she had insurance just in case something came. Chloe had trouble with her eye the end of last year and the Vet sent her to an ophthalmologist. They ran tests and she had an infection and she needed medication and drops. I actually thought she was going to go blind. But the medication worked very fast and she is almost completely healed. It was very easy to submit my claims and a good portion of her bills were paid by Embrace. I am very pleased with the ease of submitting the claims and how they show the progress as your claim is being worked on.
4
out of 5
POSTED: | BY: Sharron
Embrace is wonderful!
Embrace has been truly helpful and wonderful for our dog. The new claim uploading process has made everything so much easier. Customer service has always been great. My only complaint is that the premium has continued to increase.
5
out of 5
POSTED: | BY: Hanna Vaughan
Overall a great experience with its flaws
Overall, Embrace has been amazing. It's on the higher end of premium costs compared to others, so with that, I expect higher service and they have definitely delivered on that. We have had a policy with them since 2019 and have only had 1 or 2 "issues" and it's really just been with the claims person who was handling our claim. I won't get into detail because I truly think it was her lack of effort, not the company as a whole.
Embrace makes it VERY easy to submit claims and they process them quickly. Like in less than 24 hours. This is new and improved but it matches the service I expect for my monthly premium cost. Their online portal is easy to use and overall we are happy with them! We get a discount for being USAA customers, so I would see if your current insurance plan has a deal with them as well!
1
out of 5
POSTED: | BY: Anonymous
Very Disappointing
My dachshund had IVDD a while ago and needed to get back surgery asap as he suddenly lost motor function in his legs. This incident happened to occur at a very unusual time regarding my insurance policy. When I called Embrace they informed me that my 6 -month waiting period did not end until midnight of that day. So basically, if I put off my dog's surgery until 1 minute past midnight, I could have gotten the surgery covered (at least that's what they claim). They told me there was nothing they could do, no options or suggestions were offered to me, they offered to cover NOTHING. I understand the 6-month waiting period policy not covering the surgery itself but I was surprised that I was told I couldn't get coverage for a single thing outside of that surgery either (medications, blood work, hospital stay fees, nothing). I paid in for 6 months and couldn't utilize anything from the insurance because of a couple hours between my dog's surgery and the end of my 6-month waiting period. I would have thought that basic services would have been covered at least such as the initial vet visit at my local clinic and the services they provided. Needless to say, I have a different insurance company now.
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.