Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,771

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: Craig Starrett

Initial Claim

I just filed an initial claim and the process was easy and straight forward. Having scanning software makes it quite painless.
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1

out of 5

POSTED: | BY: Zach Koontz

Enrolled 7/2023

Enrolled 7/2023, canceled 11/2023. I'm a doctor and used to challenges with insurance providers, standard fare. Collect premiums, deny claims. But this seemed different and I trust USAA implicitly. Website false advertising "we cover all curable pre-existing conditions." $400 claim for allergic reaction/dermatitis. $0 covered. Useless. Absolutely useless.
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1

out of 5

POSTED: | BY: Boohoo embrace

Too expensive go with a different…

Too expensive go with a different company! They also switch the rewards program! They jack up the price and give make believe savings THAT IS STILL HIGHER THAN ALL COMPETITORS. Do not use them. Go with a different company you'll be happy you did.
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5

out of 5

POSTED: | BY: Jackie Heise

Hands down the best most efficient…

Hands down the best most efficient insurance company you will ever find . They are always there for me and my cat Chloe, I got my last reimbursement in 10 days, they are amazing and I am so thanks I have them!
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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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