Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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.
4

out of 5

POSTED: | BY: Lety Villicana

Great customer service

Great customer service. I’ve used Embrace before with my other dog who recently has to put to sleep. They were very kind and sent a condolence hand written letter. I highly recommend them to anyone.
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5

out of 5

POSTED: | BY: joseph chiacchiarini

found website easy to navigate as well…

found website easy to navigate as well as submitting a claim.
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5

out of 5

POSTED: | BY: Russ Mulholland

Easy and efficient

Easy and efficient. Great customer service.
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5

out of 5

POSTED: | BY: customer

Prompt

Prompt, professional service. Having had a relationship with Embrace through USAA over 3 years has never disappointed.
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5

out of 5

POSTED: | BY: Yacht Keepers

Nice sweet people that answer the…

Nice sweet people that answer the phone. My one gripe is when I started with them 10+ years ago I purchased wellness insurance that covered check ups a few year’s latter they stoped the coverage told me it was a Rhode Island state issue and Rhode Island insurance commissioner issue never got a good explanation. Besides that I love them and recommend them to everyone I talk to.
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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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