Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Mitch

High Ethical Standards

The process for submitting a claim is extremely easy. on an earlier claim, I felt that the customer service reps did an excellent job in realizing a first time condition for Woody could not be associated with any previous condition. My claim had been rejected, but the reviewers re-assessed all the information associated with the claim and quickly overturned the rejection and approved the claim. That tells me this company has high ethical standards and validates USAA's recommendation of them.
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4

out of 5

POSTED: | BY: Anastasia Beardslee

Quick and easy, not helpful when you most need them

We chose Embrace for our cats because of the USAA member discount. Pros: Embrace is easy to use, quick to respond, and generally quite clear about what they will cover. Cons: When we did have a big expense, they initially wanted to cover very little of it, claiming that the medical necessity was a pre-existing condition. Our vet proved that was not the case and they relented. Pet insurance's biggest selling point is coverage and help when you most need it. But this is an insurance company after all, and paying for your bills is not their goal.
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5

out of 5

POSTED: | BY: Charles Singler

claims are fairly easy to submit and…

claims are fairly easy to submit and reimbursement occurs rapidly
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5

out of 5

POSTED: | BY: Monica Sheehy

I love embrace

I love embrace. Filing and payment was so easy.
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5

out of 5

POSTED: | BY: Lewis Correale

HIGHLY RECOMMEND

Super easy to use. Very quick customer service. Love this pet insurance. HIGHLY RECOMMEND!
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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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