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: Ryan Stevens

Was very easy for me to submit my…

Was very easy for me to submit my claim, few questions and a photo of the invoice and that’s it
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2

out of 5

POSTED: | BY: Alicia Crowder

Website technical difficulties

When submitting a claim the website is always very difficult to use and trying to select a provider or date takes multiple attempts, extremely frustrating.
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5

out of 5

POSTED: | BY: Barbara

peace of cake to submit

The staff and veterinarians at Mosaic are respectful, empathic and explain clearly everything that was dond.
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5

out of 5

POSTED: | BY: Patricia Marvets

Easy document submission!

Easy document submission!
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5

out of 5

POSTED: | BY: Suzanne Hildebrand

Second Chances

I have had Embrace almost a year. I chose them because they were associated with USAA who has wonderful customer service. In the beginning, I seriously considered cancelling because of the first representative I spoke with. Then I decided I would give them another chance. Since then I have had exceptional service and am very pleased that I decided to give them another chance. Service has been exceptional.
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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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