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: James

Lifesaver

Jewel was sick and required x-Ray and urine test which cost over $400. In addition my dog required a follow up test costing extra expense. Embrace insurance paid and processed my claim and was reimbursed in a short amount of time without hassle.
1

out of 5

POSTED: | BY: Jc

Selected the wrong pet plan

Been getting nothing but those dear John letters from embrace Seem like anything is pre-existing to them Paid over $2000 for breathing condition my dog is having but since the Doctor That overcharges me mention dog coughing in a previous exam nothing is covered paid over $2000 for breathing condition my dog is having but since the Doctor Who over charges me mentioned dog coughing in a previous exam nothing is covered. I selected embrace because of its affiliation with USAA insurance Needless to say my opinion of USAA decreased I really don't care that USAA is a military affiliated company they didn't do me no good. By steering me to embrace Before you get into any health insurance plan for your pet send that company the pet records within the cancellation period. And ask them to tell you which they consider pre-existing that they will not cover in the future. Let them tell you upfront before they start taking your money then telling you the Bad news after you paid for the plan for a few months Not recommended
5

out of 5

POSTED: | BY: Tripti

I wish our health insurance was as good!

Our experiences with Embrace have always been first rate. They do what they say they will, are always prompt and easy to work with, and are superb in communication and follow-up. If only they covered humans... ; - )
5

out of 5

POSTED: | BY: Shari

Great Service!!

I have been with Embrace for 2yrs now and have filed maybe 2-3 claims a year for heart worm meds. Yearly check ups and maybe 3 incident claims. They have been very professional and are quick with the reimbursements. I recommend them to everyone that I talk to about pet insurance. My recent claim was for an infection of the mandibular salivary gland and Charlie had to be put on antibiotics. 80% reimbursement.
5

out of 5

POSTED: | BY: Nita

Truly a Life Saver

Embrace is truly a life saver. Our 5 year pointer mix, Zelda developed sever arthritis and degenerative disc disease in her spine at a very young age. She has been a very active and happy dog and we had to begin treating her with pain meds over a year ago. Her condition has worsen and our vet suggested stem cell therapy. I'll be honest, when I agreed to try this therapy I didn't expect Embrace to cover the cost. I submitted the claim but was emotional prepared to have them deny the claim. I was stunned speechless when I got the email that the treatment was covered. This therapy has already made an incredible difference in Zelda's mobility and pain levels. Embrace has been incredible for and I am very thankful and so is my girl, Zelda.

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 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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