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.
2

out of 5

POSTED: | BY: Sam Sebring

Rejection of claims

Seems every insurance claim is first rejected for not enough information from the veterinarian when in fact because they are dealing with Embrace they take extra care in supply additional information, thus delaying any reimbursements.
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5

out of 5

POSTED: | BY: Anthony Lee

Fast claim approval and repayment

My dog had to have emergency surgery on Christmas Eve. I put in a claim on 12/26 and on 12/31 my claim was approved and on 1/2, the money was in my account. I can’t believe it was so quick and easy.
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5

out of 5

POSTED: | BY: Heather Parker-Jones

Danielle is an exceptional customer service provider

I called the customer service line and my call was answered by Danielle. She provided polite, professional and excellent service. When there was an issue with the phone lines, she called me back three times to ensure she was able to address each of my concerns. She deserves a promotion!
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1

out of 5

POSTED: | BY: Tom

Look elsewhere for pet insurance.

I have had Embrace for 4 years as it is a preferred provider of USAA (which I am a member). To be honest, I am extremely unhappy with this provider. I have had the insurance for 4 years and have NEVER made a claim and my premium just doubled! Yes doubled! It was already extremely high to begin with. My pet insurance premium is now more expensive then my car insurance and my renters insurance combined! I will be finding a new insurance provider and plan on canceling my policy with Embrace asap. I highly recommend you look elsewhere for pet insurance.
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5

out of 5

POSTED: | BY: Donna R M

Simple process

Simple process. Paid for everything I expected.
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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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