Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Donna

We love Embrace

For USAA members as well as any pet parents out there….i love the ease of filing a claim and the timely response. We love Embrace and would encourage anyone with a new 4 legged family member to get your insurance sooner than later!
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1

out of 5

POSTED: | BY: Juan Bernal

Waste of money in my opinion

I had this insurance for probably about 3-4 years and not one single time was I reimbursed for either of my 2 dog’s doctors visits. It was a complete waste of money.
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5

out of 5

POSTED: | BY: Kathleen Auterio

Absolute lifesaver!

I’ve been a customer for several years. They always cover my dog’s regular needs, but when she needed something bigger that’s when Embrace really saved the day. It was really easy to file the claims with their app. We received the responses and money, quickly! They were literally lifesavers! I tell everyone to get Embrace, now. My previous insurance wasn’t as easy and didn’t cover half as much.
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3

out of 5

POSTED: | BY: MeSharn

This company is a hit or miss

So far this company is good for my dog but not for my cat. Every time I send in a bill for my cat, it’s not covered but when I initially contacted this company, the agent on the phone helped with creating both policies. I will be cancelling my cats policy when the time is up.
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1

out of 5

POSTED: | BY: Luke Funk

Be Aware 40% increase every year

New Customers, BE AWARE!! Rates went up 40% at first year renewal. No details to why, just that they see this increase every year and it happened to all customers! Which is BS, because you go online and the rates didn’t increase for new customers. Isn’t insurance regulated like regular health insurance? Embrace does this, while other carriers follow state guidelines which can only raise their rates if they do it for all.
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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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