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.
2

out of 5

POSTED: | BY: Sandi

False advertising at its best

False advertising at its best. Embarrassed it’s affiliated with USAA. They should really say upfront that not ALL “accidents” are covered at the beginning of the policy term. But it’s in the fine print they don’t tell you about.
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5

out of 5

POSTED: | BY: Richard Hart

I'm giving a 5 star because…

I'm giving a 5 star because the customer service was great when I got insurance for my puppy, Lucy. I haven't used it yet so I can't say anything about claim reimbursement but starting a policy was easy. I will edit if there is a problem but I don't feel there will be. Update: I had a few wellness claims and it was seamless. I hate insurance of any kind but it's needed and Embrace is a good one for your pet. I highly recommend Embrace for your pet insurance.
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1

out of 5

POSTED: | BY: Chris Platika

Waste of Time and Money

Originally claimed that animals were fully covered, and retroactively added exclusions. Stay away from this company. We followed their process, had animals do an initial wellness check within the first 30 days, and provided additional documentation. Received validation of review by them. When we went to do our first claim a year later, they said they actually had not reviewed any of the material and then added a bunch of exclusions to our pets. Save your money, there is no peace of mind via this insurance company!
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3

out of 5

POSTED: | BY: Clyde Meade

My dog had surgery due to a mass on his…

My dog had surgery due to a mass on his muzzle. This required blood work, pathology, etc. My bill was over $1200, my reimbursement was $351. Why am I using Embrace? Going to have to do some research. Already spoke with others that have pet insurance, they were surprised at the little reimbursement.
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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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