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.
5

out of 5

POSTED: | BY: HM

My 3yo Boston was just diagnosed with…

My 3yo Boston was just diagnosed with congenital bilateral cataracts - and his surgery was 90% covered by USAA Embrace - a $10,000 surgery! We couldn't be happier :)
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5

out of 5

POSTED: | BY: Mat Bickley

Embrace Is Literally a Life Saver

Embrace has been great! And has helped us deal with the expenses involved in treating a dog with cancer. They have always paid my claims quickly.... usually within a week.
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5

out of 5

POSTED: | BY: Brenda Scheibe

Completely satisfied…

I have been an Embrace member for over 6 years. I now have two dogs insured through them. Easy to use app and benefits are outlined well. No surprises. Customer service is top notch. Recommended to my daughter for her new pup too!
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5

out of 5

POSTED: | BY: Sallie Sterling

The claim process is so straightforward…

The claim process is so straightforward and easy to handle online. We have 3 dogs ages 5, 9, and 12. The monthly premium has risen considerably but is well worth it. Our 12 year old dog is now being treated at an oncology practice about an hour away from us. This is the same veterinary practice that saw us through treatment of two pups with cancer between 2011-2012. We knew after that experience that we would get pet insurance moving forward. We love Embrace!
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2

out of 5

POSTED: | BY: Assistant

Easy to use until you need customer service

It's very easy to sign up and set up autopay. The website is easy to use. Until you need any type of customer service, Embrace is fine. If you have questions, need to submit a claim that doesn't easily align with the pre-filled options, then you will email, call, and get nowhere. After 2+ years as a customer, I canceled and went with another company that provides basic customer service.
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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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