Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Carol Swanson-Loy

Super easy to submit a claim online

We had Embrace with our previous dog, but tried a different Pet Insurance with our new puppy because it was less expensive. We had such a hassle trying to submit claims with that company that we decided to go back to Embrace. We have been very happy with the service and ease of submitting claims. We won't switch again.
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2

out of 5

POSTED: | BY: Kay Flory

Any excuse to deny a claim

Seems like they look really hard to find an excuse to not honor claims. My dog had an ear infection and claim was denied because he had a hot spot on his back a year ago.
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5

out of 5

POSTED: | BY: Margaret Brown

Embrace made filing my claim so easy

Embrace made filing my claim so easy. Everyone I had contact with was friendly, helpful and professional. I have recommended Embrace to several friends. I couldn’t believe how quickly they finalized my claim and paid me. Keep up the good work Embrace. My little teacup Yorkie, Luigi thanks you too.
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5

out of 5

POSTED: | BY: Natasha Lyons

This is the best insurance!

This is the best insurance!
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5

out of 5

POSTED: | BY: Geoff

Embrace Life Long fan here-- the best I've seen!

Embrace Life Long fan here-- from our puppies through them now at 4, Embrace and its partnership with USAA has been a lifesaver. Great website thats highly available and performant, easy UI and quick on mobile or desktop to attach invoices. They staff up and process claims quickly and fairly. I recommend Embrace to everyone I can!
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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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