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: Jana H. Lewis

The entire process took maybe 3 minutes!

The entire process from start to finish was so simple and easy and straightforward. It took maybe three minutes to input my direct deposit information and then click submit a claim put the date. Find my vet and upload the invoice and put in the dollar amount. Super super easy! I am thankful to my friend Debra Lee who referred me to Embrace pet insurance.
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5

out of 5

POSTED: | BY: Laura

I was happy I received a discounst…

I was happy I received a discounst because I was an USAA member but not only that the rates were great for my 8 year old dog. They covered the expenses that I am currently experiencing on my 14 yr without insurance so I know what I could face years down that road will be covered.
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5

out of 5

POSTED: | BY: Bruce Costa

Claim submission process

Excellent, simple submission process. Hoping they'll approve for the surgery they said they would...
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5

out of 5

POSTED: | BY: Maggie Morrisey

Good company

They don't fool around. Claims are easy to file. Very knowledgeable. Get payments quickly. Customer Service Reps are very personable.
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3

out of 5

POSTED: | BY: debbie gottardi

Too many things considered prexsisting…

Too many things considered prexsisting conditions.
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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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