5
out of 5
POSTED: | BY: priya kadakia
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4.9
out of 5
Number of reviews 20,322
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: judith dawson
Customer Service is OUTSTANDING
Customer Service is OUTSTANDING. The ease in which claims can be filed is OUTSTANDING. Payment is quick, explained in detail. If they would write MY health insurance I would insure myself with Embrace!
5
out of 5
5
out of 5
POSTED: | BY: Steve C
Quick claim processing
My cat had a blocked urethra which required 4 nights in the veterinary hospital and a total of over $8,000 of medical expenses. Embrace filed the claims on a timely basis and sent me my reimbursement amount quickly. The customer service reps are fantastic!
5
out of 5
POSTED: | BY: Benito
No Trouble with 1st Wellness Claim
I recently took out an Embrace policy through USAA, including wellness, for my dog. Just last week, my dog had his annual physical exam, for which I put in a wellness claim. The Embrace app worked very easily to submit the itemized invoice and corresponding vet notes. Within a week, the claim was reviewed and approved. Based on the vet exam, they were also able to significantly shorten the waiting period for orthopedic coverage which is very appreciated as my dog is now fully covered. So far, so good with Embrace - keep it up!
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.