Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Gina Doyle

Embrace is a life saver

Embrace is a life saver. My girl has some special needs and without Embrace I wouldn't be able to afford to give them to her.
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1

out of 5

POSTED: | BY: KRHP

Everything is pre-existing

I have found that this company tries to make everything a pre-existing condition so they do not have to pay. When they denied my claim, my vet wrote to them and said that the current issues have absolutely nothing to do with my 2 year old dogs pre-existing condition (which I have never even tried to file a claim for) and they still denied the claim. I will be looking for new insurance for my dog.
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5

out of 5

POSTED: | BY: Wilfred Thomas

It was quick and simple

It was quick and simple
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5

out of 5

POSTED: | BY: Eliza Crockett

They cover a lot of pet medical…

They cover a lot of pet medical conditions for a good price. If you are with USAA you get a discount and priority response when you call. Can't beat it.
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5

out of 5

POSTED: | BY: PC

Excellent Service and Receipt of Benefits

Communication and confirmation throughout the claim process. I felt updated throuhout and all messages were returned promptly. Claim was settled in less than 2 weeks. Peace of Mind!
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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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