Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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: Viggy

Rep misrepresented my policy and my…

Rep misrepresented my policy and my claims were left in limbo for 2 weeks. Only when I called to inquire on the status, then they resumed the evaluation.
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5

out of 5

POSTED: | BY: Stacie Budewitz

I've had great customer service both on…

I've had great customer service both on the phone and via live chat. The associates have been understanding, caring and helpful. The claims have been processed quickly and the explanation of benefits have been clear.
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5

out of 5

POSTED: | BY: Eileen

I called to find out some information…

I called to find out some information regarding one of my cats impending complicated dental surgery. Rep was very pleasant and offered some suggestions.
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5

out of 5

POSTED: | BY: D. Gildner

Quick & Painless Claim Setup

Quick & Painless Claim Setup. Fast reimbursement.
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1

out of 5

POSTED: | BY: MJMROVER

Very disappointed in Embrace

Very disappointed in Embrace. I switched to them because they partner with USAA. For the first few years, every time went to the Vet, Embrace found a way not to pay; whether pre-existing condition or just not covered. We wasted thousands of dollars. This year, my healthy 11 year old dog, they want $2,775.16 to renew for a year!! Ridiculous!
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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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