Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Joy S

Friendly, knowledgeable customer service

The care team member who assisted me on the phone was terrific. Once we got a little glitch straightened out, my claims were processed within a few hours. Since I chose to receive checks, I haven’t received payment yet but I’m sure the payments are on the way. So glad this was offered through USAA and that I purchased this to cover my kitty,
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5

out of 5

POSTED: | BY: Holly

embrace is always easy to use and…

embrace is always easy to use and navigate!
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1

out of 5

POSTED: | BY: BRENDA RICHARDS

Please DO NOT Insure Your Pet With Embrace

Embrace Pet Insurance will use ANY and ALL reasons to deny claims determining that your pet conveniently has a “pre-existing condition”. I submitted my first ever claim for a dental cleaning for my dog and my claim was denied because the Veterinarian had noted in a previous annual visit that my dog had some tarter buildup, which is extremely common in dogs and cats. But it was enough for Embrace to designate it as a pre-existing condition and deny my claims. Please AVOID using this company to insure your pet. They are a massive rip-off and you will end up paying out of pocket for any procedures.
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5

out of 5

POSTED: | BY: Kimberley Brown

This process is so easy to submit

This process is so easy to submit. I love that you can go back upon reviewing if you see that something doesn't look right. Submitting a claim could not be easier.
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5

out of 5

POSTED: | BY: Daniel Riordan

Helpful, fair, honest...

Polite, helpful, fair, honest folks. Dan Riordan
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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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