Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: Gary Pratt

I was looking at getting pet insurance…

I was looking at getting pet insurance for our fur baby and got a notice that I can get it through USAA and get a discount. I filled out the quote and the next day the agent called us and walked us through the whole process and answered all of our questions. It was a great experience.
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5

out of 5

POSTED: | BY: Vanessa

Quick and easy claim filings

Quick and easy claim filings. Easy to add pet.
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5

out of 5

POSTED: | BY: Robert Apfel

Very prompt payment

Very prompt payment. Some claims paid the same day.
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5

out of 5

POSTED: | BY: maluce

Quality of life thanks to Embrace

My small Terrier tested positive for Cushing's about April 2023. Until it was confirmed, ( had to go to several drs and test) I had issues with those being paid. Not because of Embrace but because dr office would not respond to messages requesting additional information. Once it was confirmed all my visits to specialist and dermatologist have been covered. Still not completely under control so he is tested monthly or more depending on symptoms and Embrace has paid them all. It is Feb 2024 and I am so 100% satisfied at how fast they pay the claims. Thank you Embrace.
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5

out of 5

POSTED: | BY: Elyse

Very easy to submit claims and very…

Very easy to submit claims and very fast receiving reimbursements!
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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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