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.
4

out of 5

POSTED: | BY: Cathy S

Claim Submission

Claim easy to submit. This was my first experience in submitting claims on my pet insurance policy. I would reserve 5 star rating for reimbursement timeframe
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5

out of 5

POSTED: | BY: Madi Wallace

Embrace makes it extremely easy to file…

Embrace makes it extremely easy to file a claim and they also respond quickly to any questions you have. I had three emergent vet visits this year, and after my deductible was met, they were covered as expected without any back and forth, and I was reimbursed promptly.
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5

out of 5

POSTED: | BY: Shenell

Smooth process

I filed my first claim with Embrace and the process was very easy. I uploaded the detailed bills from my phone and that was it. There were no long forms to fill out. The reimbursement was deposited in my account in about a week.
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3

out of 5

POSTED: | BY: Heide Jenkins

I am disappointed so far

I am disappointed so far. USAA recommended Embrace, but I am frustrated by lack of contact, the Wellness Plan, as well as blanket exclusions. The portal for claims works well.
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5

out of 5

POSTED: | BY: Consumer

Good customer service and comprehensive…

Good customer service and comprehensive coverage.
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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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