Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,890

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: Lynn Phillipi

Embrace Pet Insurance (associated with…

Embrace Pet Insurance (associated with USAA) is very affordable and has options to get reimbursed for grooming, training, as well as hospital visits and emergencies. The staff is very courteous and helpful. I highly recommend Embrace Pet Insurance.
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5

out of 5

POSTED: | BY: Daniel Rotstein

Easy to use claim procedures

Easy to use claim procedures, good records of dates and treatments, easy access of information.
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5

out of 5

POSTED: | BY: Judy Zukas

I had an inkling that vet bills were…

I had an inkling that vet bills were just as high as regular doctors because my daughter has spent a fortune on her cat, so i got insurance on our new dog, and in her second year se got a stomach infection and our first bill was over $600! So glad i did, !!!
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5

out of 5

POSTED: | BY: Tyrone Bradford

The overall experience submitting a…

The overall experience submitting a claim was very seamless and very easy.
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4

out of 5

POSTED: | BY: Vilo

Customer service listens and follows…

Customer service listens and follows through when errors on their part occur. So far the only negative is that it’s sometimes difficult to talk to someone on the phone, up to two hours waiting and still not able to talk to someone
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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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