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.
5

out of 5

POSTED: | BY: Jeff B

Rapid claims determination

We have had Embrace Insurance now on 3 Bernese Mt. Dogs (since 2014-15). Over the years, they have markedly improved their claims determination and time it takes to get reimbursed. These days, I usually am notified within a week and often sooner. The reimbursement is directly deposited into my account. I have had another dog put on a different Plan which has not been as efficient. We do not do the Wellness benefits as we calculated for us that it would be 'a wash' as far as ROI. My wife and I have always had good luck talking to a live person when needed.
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5

out of 5

POSTED: | BY: Frank

I love Embrace!

I love Embrace! They make the claim process very easy and have always treated Rufus and myself like family more than just clients. Also their rates are very good based on Rufus's age and issues. I would highly recommend Embrace!
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5

out of 5

POSTED: | BY: Susan Decker

I needed to clarify the information…

I needed to clarify the information requested and concerning a claim. Cassie was helpful and walked me through the steps. I appreciate the assistance - with a human and not a bot.
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5

out of 5

POSTED: | BY: April Everett

Impressed so far!

I am a new customer but so far I am very impressed with not only ease of use with their website but prompt reimbursement. I am a life long USAA member and Embrace is their preferred vendor so I am sure they will live up to USAA's high standards for customer service over the long haul.
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4

out of 5

POSTED: | BY: Tony Hamrick

This carrier pays Claims

I wish the policy reimbursed 80% instead of 70%
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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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