Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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.
2

out of 5

POSTED: | BY: Belinda Greenstein

Not too impressed on coverage

Not too impressed on coverage. I went with embrace because they have an option for alternative medicine. But I **FEEL** Like they are always trying to avoid reimbursing for any of our vet costs. Seems more like a waste of money …..
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5

out of 5

POSTED: | BY: RFinch

Embrace SETS the STANDARD. They're simply fantastic.

Embrace has always been the example of quick, courteous, personalized and professional service. I just love them. I feel as if it truly matters to them that I am not only a client of theirs but that I am a satisfied client. It seems like I am dealing with family members (the ones I really like! :)
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5

out of 5

POSTED: | BY: Borkert Family

Claim Processed Quickly

Our claim was processed quickly and we received our reimbursement in a timely manner. Everyone should get pet insurance as soon as they acquire a pet. We have had other pet insurance but we chose Embrace this time due to their affiliation with USAA.
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4

out of 5

POSTED: | BY: StarchMD

Easy claim submission process

Seems easy too submit…This review will go to 5️⃣ stars if the coverage is as good as advertised in the policy. Thanks!
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5

out of 5

POSTED: | BY: Sonny

Embrace paid a very expensive claim…

Embrace paid a very expensive claim promptly with no hassle. Their customer service is excellent. I would highly recommend them. I wish most human insurance companies were as easy to deal with.
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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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