Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Leslie

Highly recommend

Highly recommend, excellent customer service. The policy was explained in an easy-to-understand manner, and any claims I've submitted have been reviewed and reimbursed quickly. I'm very thankful that USAA recommended this company.
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4

out of 5

POSTED: | BY: Vance Myers

Easy to submit my claim.

Easy to submit my claim.
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1

out of 5

POSTED: | BY: Lacey

It took over 30 business days to…

It took over 30 business days to resolve my first claim, which is absolutely unacceptable. Even after I submitted all required documents my claim was placed on hold. I resubmitted then two times more and then contacted the ask email with all the details. Finally, my claim was approved but I only see a number without an itemized explanation of what was covered. All my other insurances would have included this. Just because it's pet insurance doesn't mean you don't have to provide itemized items.
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5

out of 5

POSTED: | BY: KB Anderson

Best Experience Ever!

My recent experience with Embrace Pet Insurance was without a doubt the best I've ever had! They truly care about their customers. I really appreciate the generous way they resolved my latest concern and would certainly recommend them to my family and friends. Thank you Embrace Pet Insurance!
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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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