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.
3

out of 5

POSTED: | BY: Keoni

Frustrating and disappointing process

I really wanted to feel good about having Embrace as protection for my pets, but the experience has been frustrating. The claims process is slow and feels like it takes way too much effort on my end. Communication isn’t always clear, and I’ve had to follow up more than I should just to get simple answers. While the coverage itself is okay, the amount of stress and time it takes to actually use it makes me question whether it’s worth it. Pet insurance is supposed to give peace of mind, but instead it’s been another source of stress.
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5

out of 5

POSTED: | BY: Angel

Embrace was very responsive

Embrace was very responsive. As soon as my vet sent the necessary paperwork, Embrace immediately settled my claim as advertised. I’m very happy to have this insurance to care for my pet and keep expenses down. Thanks USAA for partnering with Embrace.
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5

out of 5

POSTED: | BY: Janis Ritter

Grateful for Embrace Coverage

Our cat has developed some issues as she has aged. Embrace has covered most the vet costs the were incurred for her care. We are grataeful to hav had Embrace to fall back on> They havae been great.
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5

out of 5

POSTED: | BY: David Watson

You Get What You Pay For

I've been with Embrace for close to 20 years, and 3 dogs. My Frenchie turned 8 a few weeks back. She was diagnosed with encephalitis not long after her 2nd birthday. She requires monthly low dose chemo treatments, but she's blessed us for 6 happy and healthy years with a terminal illness in remission. Our animals get Embrace coverage as soon possible as puppies. Embrace has reimbursed promptly all of the covered expenses within the policy limits for our Frenchie and other dogs with no hassles. This company truly is a life saver!
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5

out of 5

POSTED: | BY: Lonny WRIGHT

Great service and claim process

Great service and claim process. Of course I would prefer to get all that I paid back but I know it doesn't work that way. Timely process and explanation are always well stated.
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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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