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: Pleased Customer, MD

Prompt

Prompt, pleasant, and efficient email support made the claims and payment experience easy during a tough time. Leah was especially helpful, but kudos to your entire claims administrative team.
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1

out of 5

POSTED: | BY: Peggy

Waste of Money

I filled a claim for my dog it took two months for them to deny my claim. They advised my dog had preexisting issues that had nothing to do with the current issue. I wasted 10 months of premium for nothing.
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5

out of 5

POSTED: | BY: Lisa Roberts

We recently had to use our insurance…great and fast service

We recently had to use our insurance for an emergency with our DoD. Embrace was amazing at getting back to us right away and sent us our payment minus our deductible within a few days. Great service!!
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1

out of 5

POSTED: | BY: Alyae

They take your money

They don’t cover things pet parents usually need done. They renew automatically without your consent and won’t give you a full refund. Don’t buy their insurance, they’re terrible.
5

out of 5

POSTED: | BY: Michael

Best pet insurance ever

I have been a USAA member for more than 50 years and I believe this is the best auto/homeowner coverage available. Based on my positive experience, I purchased our pet insurance through Embrace. I couldn't be more pleased and relieved this company meets all the standards I've come to expect from USAA. Coverage is easy to understand, explanations are clear and concise, and every employee I've spoken or communicated with has been exceptionally courteous and professional.
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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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