Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Juan Sanson

Avoid Embrace Pet Insurance

We had an incredibly frustrating experience with Embrace Pet Insurance. Their policy coverage made absolutely no sense. Despite paying thousands in premiums, none of the care for our two bulldogs was covered because they used "similar symptoms" from their initial waiting period to deny every single claim. They apply symptoms universally across all claims, which feels like a loophole designed to avoid paying out. What’s worse, our premiums went up mid-policy, adding insult to injury. When we decided to cancel, they tried to offer us an even higher premium to stay, that would cover more. It’s clear they care more about profit than providing actual coverage. I’m shocked that USAA refers them. Based on our experience and many similar complaints from others, I wouldn’t recommend Embrace to anyone. Save your money and find a company that truly supports pet owners. Embrace, you don't need to reply to this review. This is for others not you.
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5

out of 5

POSTED: | BY: JK

Quick & easy

Quick & easy. Telephone assistants very knowledgeable who answer promptly and easily answers questions. No need to constantly repeat yourself.
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5

out of 5

POSTED: | BY: William McCourts

We had a very catastrophic event with…

We had a very catastrophic event with my dog. After surgery and hospital the cost was over 14k. They reimbursed me just at 12k. I felt the claim was handled very expeditiously and fairly. Unfortunately our dog passed in recovery :(.
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5

out of 5

POSTED: | BY: Jonathan

Great coverage

Great coverage, even for hyperconcerned doggie daddy me! Great phone service too.
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5

out of 5

POSTED: | BY: Julie Hammond

Very easy to work with...

Very easy to work with...
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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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