Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: 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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5

out of 5

POSTED: | BY: JESSICA

ALWAYS SUPER EASY...

ALWAYS SUPER EASY... FROM LOGGING IN TO SUBMITTING OUR CLAIM AND RECEIVING UPDATES...ALL FAST AND EASY!!
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5

out of 5

POSTED: | BY: Rod Huff

Embrace we trust

Embrace is the insurance we need for our dogs to live a happy life and long life. We love them for loving us as customers!
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5

out of 5

POSTED: | BY: customer

I was happy that my claim was processed…

I was happy that my claim was processed quickly and that the insurance did not contest the treatment for our very sick cat who, happily has recovered.
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1

out of 5

POSTED: | BY: Kayla Zaetz

Every email I sent went unanswered

Every email I sent went unanswered , and I made sure to email the correct email. A normal vet visit was denied on a claim. I would say embrace is only worth it if you have a young healthy pet otherwise they will find a way to relate every visit to a preexisting condition
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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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