Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: 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.
5

out of 5

POSTED: | BY: beverly moore

dependable

Our dog, Tia, had massive cluster seizures over labor day weekend, which necessitated at trip and overnight stay with the emergency vet service here. She then had to be transferred to our regular vet for a stay. There was a point at which we had to make a decision whether to have her euthanized because of the severity of the seizures and an extremely high temperature she had run. At this point we were looking at a bill of $2500.00. Because we have Embrace insurance we decided to wait one more day. That next day Tia was almost totally recovered. She is now back to 100%, and we are so grateful that we have the insurance and could make that decision.
5

out of 5

POSTED: | BY: Susan

Quick and easy

I like using embrace as it is easy to file a claim from anywhere and the service is quick. Usually I have my reimbursement directly to the bank within a week of filing the claim. That reduces the processing time and the transit time. They keep you up to date on the claim status. My only complaint is that for this review they do not list my actual dog breed--Lagotto Romagolo-- as an option so I put her in as a Portuguese Water Dog. Now how minor is that! I insure all three of my dogs thru Embrace and I love that they cover my 13 year old--who is a Portuguese Water Dog.
1

out of 5

POSTED: | BY: Donna

They NEVER reimburse you for anything!!!!!!!!

The worst!! NEVER reimburses you for anything! Always look for negative in your vet bills. I will be checking into others pet insurance.
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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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