Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Ana Figueroa

Excellent Insurance

Excellent Insurance, couldn't ask for anything better. They are right there with you whenever needed. Very transparent, will answer any questions you may have immediately. My Sparky suffers from various ailments, don't know what would have done without Embrace. Sparky was diagnose with cancer about 4 months ago, Embrace Has always been there for us.. He is doing fine and undergoing chemo at this time, reimburses are extremely punctual. Bless you Embrace Claims Team, Ana and Sparky Thank
5

out of 5

POSTED: | BY: Carol DeAvila

Have 2 dogs covered under Embrace Pet Insurance-have yet to be disappointed.

Have had one dog insured for about 6 1/2yrs and another for 3 1/2yrs. While no major claims, each claim has been handled professionally. I get an email once they receive the claim and a follow up once claim has been approved. The last claim filed took approximately 2 wks to receive reimbursement!
1

out of 5

POSTED: | BY: Connie

Dissapointing

Our pet was placed on an antibiotic and a steroid for a severe ear infection. Embrace conveniently used a pre-existing skin condition to deny coverage. We are only thankful that we discovered Embraces lack of effort to cover with an earache verses a life-threatening disease. We will choose more wisely a different pet insurance company for our Molly at the next premium due date.
5

out of 5

POSTED: | BY: Susan Kendzior

Outstanding resolution of confusing claims

Recently had to call Embrace and spoke to Christine Batten about my dog, Bear. Bear has had a lot of claims this past year and I was confused about several intertwining ones. Christine was extremely helpful and went out of her way to resolve this. It was such a delight to work with her - kudos to Christine and Embrace.
5

out of 5

POSTED: | BY: Shavon Segers

Great service

I am so glad that USAA introduced me to this company. I am well pleased with the exceptional customer service and th speed of responses to emails that I send. I just wish that the wellness plan was more.
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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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