Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: cynthia fraley

If I could give negative stars I would

If I could give negative stars I would. I had numerous calls with my salesperson, with assurances that every service I anticipated would be covered. He sent me cute pics of his adopted pup blah blah. We submitted at least 20 claims every one of them was denied. Vaccines, spaying, routine check ups. I reached out to him by email and calls and never got a reply. I made a separate call to cancel the policy and just discovered it was never canceled!!!! CRIMINALS. What a scam!!!!
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5

out of 5

POSTED: | BY: Peg Neuhauser

Embrace has great service

Embrace has great service. Fast and very helpful. It’s very impressive every time.
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5

out of 5

POSTED: | BY: Karrema

Painless claim process

This is my first claim and thus far the process went well!
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5

out of 5

POSTED: | BY: Gabrielle McClarty-Roberts

Embrace was quick and efficient dealing…

Embrace was quick and efficient dealing with the claims.
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5

out of 5

POSTED: | BY: Diane

Yanelly is a STAR employee!

Yanelly was not only helpful, but knowledgeable and friendly as well. She solved my problem, provided me information about my USAA easy access mode, and made me feel comfrotable about processing my claim.
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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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