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.
1

out of 5

POSTED: | BY: Jim Martinez

Profoundly dissappointed with the…

Profoundly dissappointed with the claims I have filed now over 2 months ago. Learned that Embrace was needing clarification from my Vet. I called Smiths Vetinary Hospital in Santa Fe, which is a reputable and well know long time vetinary. I let them know that Embrace had sent requests to them and they had not responded. While I was on the phone with Smiths, they emailed my felines entire medical records 3 weeks ago. USAA should reconsider who they recommend. I regret having dropped Nationwide Pet Insurance.
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3

out of 5

POSTED: | BY: Roxie Clements

Broken claims system online

Ashley was very hekpful and sent me the information to submit my clain manually, but the claim forms will not open (get and OOPS from Embrace online) and I still cannot add a pet to my current claim online - please have your tech folks look into that!
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5

out of 5

POSTED: | BY: Clifford Reep

My cat had a emergency event and had to…

My cat had a emergency event and had to take to animal hospital. I filed a claim and at first thought I was getting the run around for reimbursement not knowing how pet insurance worked. Well it took 2 months with all documentation as a first time claim. I am happy to say that embrace lived up to it's promise and paid the claim. Thank you very much for your service.
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5

out of 5

POSTED: | BY: Paul Maloy

Always a pleasure utilizing the Embrace…

Always a pleasure utilizing the Embrace claims process. Also, I wanted to thank Charles for patiently explaining the Wellness Benefit Coverage to me today. I didn’t realize just how comprehensive the coverage is - from annual physicals to grooming to flea & tick meds to heart worm meds.
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5

out of 5

POSTED: | BY: Victoria Lynn Berdnik-Atkinson

Just renewed our policy

Just renewed our policy! Very happy with Embrace!
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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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