Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
3

out of 5

POSTED: | BY: Roxanne Dockter

Decent Insurance with some flaws

Preexisting conditions are not covered and the claim process takes quite a long time. Otherwise no complaints.
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5

out of 5

POSTED: | BY: Tina Ritz

Wonderful, as always

The staff at Embrace are always amazing. They are caring and compassionate. Brittany was very helpful.
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5

out of 5

POSTED: | BY: Thomas Petersen

Great organization

Great organization
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4

out of 5

POSTED: | BY: WS4now

After initial claim, claims processed quickly

I called to check on my first claims ever submitted after almost 3 weeks had gone by. I ended getting responses on some of them that day but a week later still waiting to hear about the rest. Will be better able to give a review after all claims are processed. The phone rep was great. I've had the policy for almost 4 years but just now needing to use. Update: most of my claims have now been processed and money was direct deposited!
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1

out of 5

POSTED: | BY: Dustin Estep

Wouldn't cover a $7000 surgery because…

Wouldn't cover a $7000 surgery because of an unrelated issue. Took them past the surgery date to do a pre-authorization for the surgery then completed it after i gave them the bill post-surgery. If they cant find anything pre existing, they will say they didnt receive enough medical documentation on the pet. I got them because they were offered through USAA. Don't be fooled, they are nothing like USAA.
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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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