Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Angela

1st time having pet insurance...

This is the 1st time we've had pet insurance and it's been a great experience. They are very helpful and keep you updated with all info. Things get handled in a timely manner.
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5

out of 5

POSTED: | BY: John V.

Easy to navigate web site.

Easy to navigate web site. Very prompt in processing claims. Very detailed on claims.
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5

out of 5

POSTED: | BY: L Franchi

YOU WILL BE GLAD YOU DID

EMBRACE is the best Pet insurance any one can ever get. They are always their for you - they have never denied any of my claims in the past 11 years and my 14 year old dog has had a lot of health issues. You can go to any Hospital or any Doctor of your choice. The team of employees are very compassionate and caring.
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5

out of 5

POSTED: | BY: Susan Card

Good bye Kizzy

Everything was taken care of efficiently and with empathy.
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1

out of 5

POSTED: | BY: Lance Frazer

If I could give zero stars I would

If I could give zero stars I would. This insurance does not cover anything. If you are looking to pay monthly and not receive anything when your pet has an injury then this insurance is ideal for you. They will find any loophole in their policies to not cover you. If you are a USAA member avoid this insurance at all costs. Even my dog was upset that there isn’t a zero star option.
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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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