Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: J

I love Embrace

My bulldog lived a happy and healthy life for 4 years. I've had Embrace since the week we adopted him. At four years old he came down with a vicious infection that has ravished his poor little beefy body. Thanks to Embrace I've been able to do what needed to be done to get him healthy again. It's been a long road but Embrace has been there with me every step of the way. Every person I've worked with has been nothing short of wonderful, every claim covered with no questions asked. Getting Embrace insurance was the best decision I've ever made. Worth every penny.
5

out of 5

POSTED: | BY: Beth

Supportive and immediate service

Embrace Insurance Co has been fantastic in helping care for our Sheltie. They process claims quickly as well as issue checks, when appropriate, without delay. They are available by phone or email to discuss questions about policy, wellness, or give support. We HIGHLY recommend them, and we have. Our nephew has also been pleased with his Embrace policy for his German Shepherd.
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!
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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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