Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Kathy

Embrace has your back

Embrace has been there for my two dogs several times already. With the high cost of veterinary care I don’t understand how people can not have pet insurance. It is well worth it to me!
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5

out of 5

POSTED: | BY: Linda

My 2.5 yr old cat was critically ill…

My 2.5 yr old cat was critically ill requiring at first weekend emergency hospitalization followed by a stay in an advanced veterinary ICU where he received excellent high tech care. The bills were so high, but knowing I had this policy gave my cat a chance to possibly get well. I'm grateful to my cat's foster mother who told me to get this Embrace policy, as it saved his life.
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5

out of 5

POSTED: | BY: Kristi Brockman

I am very impressed with Embrace Pet Insurance.

I was thoroughly told what is pre-existing and not covered with the insurance I purchased. Still I was grateful to learn in time from one customer service representative that exams, shots, testing for urine and fecal that this is the Wellness saving plan that is necessary and separate and charged separately than the insurance policy. Still both policies worth the money for exorbitant veterinary costs for many animal health issues. Thank you Embrace claims representative and customer service people. Sincerely, Kristi Brockman.
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2

out of 5

POSTED: | BY: John

My pet was insured by embrace for about…

My pet was insured by embrace for about 5 years. I am a long time customer of USAA for 55 years which is why I joined. Two years ago I had a problem moving from San Diego to Palm Desert and had to drop his coverage. Last week I called to reinstate his insurance and was turned down due to my dogs age 10 years old and his location, Palm Desert. I was really disappointed. So Healthy Paws stepped in and insured him for $40 less s month than embrace. I called embrace but it would not change its decision. This remains a disappointment.
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1

out of 5

POSTED: | BY: Jeanne Shaw

I would give it 0 stars as a new…

I would give it 0 stars as a new customer if I could. Everything went wrong it seemed, all due to Embrace glitches. Hopefully I won't forget not canceling within the first 30 days with all the red flags that came up that I should have. No claims yet so I can't speak to that.
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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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