Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,737

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: Terry Harrington

Just finalized two of my first claims

Just finalized two of my first claims. I must say I was happy with both of them. Let's see what the future says.
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5

out of 5

POSTED: | BY: Grace Oh

Fast reimbursement and simple claims process

I got pet insurance after my friend who worked at a vet clinic recommended it, and I chose Embrace after doing some research. Who knew that I would have filed two claims in two weeks after getting a new kitten that I rescued from my backyard. The first one was for her general exam (vaccinations, initial examination, blood work, stool check) and the second was for an unexpected URI! I did add the wellness package since I wanted to take my kitten in every year. The wellness package covered her first exam, and the insurance covered her URI medication costs + exam! Somehow got away with having $350 reimbursed in the first month 😭 I guess they are right when they say it’s better to be safe than sorry because! Submitting the claim was also super easy. It explains the whole process and you can just upload photos online via your portal. I got reimbursed very quickly too since I signed up for direct deposit. I also got a $25 visa gift card LOL after my first claim! Highly, highly recommend!
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5

out of 5

POSTED: | BY: Connie Smith

Easy claim submission.

Easy claim submission.
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5

out of 5

POSTED: | BY: Angela

Exceeded my Expectations

Wow! Fantastic coverage, prompt review of claims and prompt reimbursement. I gave been a pet owner for almost 8yrs. I never had pet insurance until this year. I have a new 9 month old puppy and decided to get Embrace pet insurance after seeing the service offered in my USAA app. I'm so glad I did, wouldn't you know it, I have already submitted 2 claims and both were covered! This has brought me peace of mind, because as fellow pet owners, our pets can be a huge financial investment.
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5

out of 5

POSTED: | BY: Theresa

Extremely easy claim submission

Submitting claims through the website is fast and easy. The longest part of the claims submission was entering the pet's information the first time, which was also easy even with a senior pet. I like that I don't have to enter my pet's full information every time.
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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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