5
out of 5
POSTED: | BY: Michael
Customer for years
Dog needed stitches, submitting claim was easy and fast
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,789
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: P Morgan
I called to cancel the pet insurance on…
I called to cancel the pet insurance on my GSD who had passed away suddenly. My GSD never used the insurance, but I was pleased with the updates and the ease of paying the bill each month. Will recommend to other pet owners.
4
out of 5
POSTED: | BY: Richard Ruderman
Snakebite
Unfortunately, my dog Enzo was bitten by a rattlesnake mid-June. Even though I needed to resubmit some receipts and follow-up multiple times with phone calls, Embrace did pay claims submitted. Their reps were pleasant and knowledgeable. I recommend Embrace!
1
out of 5
POSTED: | BY: Quentin Collins
So I again contacted Embrace
So I again contacted Embrace. They said “due to the fact that the first vet records have still not been obtained we will consider your pets condition as pre-existing”. What a crock, they have all of his records and he was not adopted from a reputable breeder with a stellar record with a broken foot that happened to show up a year and two months later. Stay away from Embrace. I have been a customer of USAA for over 22 years and they have done a horrible thing adding Embrace to their benefits list. I have now started using Spot Pet Insurance - listed by Forbes as the best. Ironically Embrace is number 10 on their list.
5
out of 5
POSTED: | BY: mimi
Easy, no-hassle claims
Easy, no-hassle claims. Just submitted the documentation for my pet in the portal and it was reviewed and adjusted without incident or nitpicks - a problem I faced with virtually every claim through my last provider, despite having coverage on my pets since they were <6 months old.
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 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.