Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Ruben

Worst experience ever.

I have sent the necessary documentation several times I get the same response. I have called several times and get the run around about why my claims are not being paid even though the customer service representative assures me that they will be. This has been a sham and I am angry that USAA would recommend such a lousy service to members. Perhaps I am the one bad experience here but something tells me I am not. If you are shopping for pet insurance, I would keep on shopping past Embrace.
5

out of 5

POSTED: | BY: Nancy

Great Service and Support!

Thank you, Embrace...for helping me with Tinker's care. Your online and telephone support staff are helpful, kind, and courteous. I am so glad my veterinarian referred your company to me. Nancy and Tinker
5

out of 5

POSTED: | BY: Susan

Reimbursements

I let several months go by before submitting over a dozen invoices from my Vet Hospital. Within two weeks, Embrace reimbursed what was allowable under my policy - the deposits made directly to my checking account. I was and am, very impressed with the efficiency and thoughtfulness that Embrace and its staff bring to the table. I am so thankful that I bought this policy when I got my dog in August 2015. I plan to continue with it, without a doubt!
5

out of 5

POSTED: | BY: Terry

Simply the BEST

I had a recent illness claim for my puppy Mia, the bill was very expensive having barium series, IV Vet stay, meds. I have the 80% reimbursement plan. The money was back in my checking account with a couple of days. This insurance is the best even better than what we have on ourselves! Always extremely helpful staff and you don't get the run around, they never look for reasons not the cover any claim. Totally hassle free, EMBRACE is the BEST!!!
5

out of 5

POSTED: | BY: Richard

The Best

Embrace is quick and follow their agreement to perfection! I'm glad I have them on my side!!!
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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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