5
out of 5
POSTED: | BY: Jessica K
Great Customer Service
Always helpful, process claims quickly and great customer service!
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,329
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: Corrina
quick and easy reimbursement
I was able to quickly upload my receipts for a recent somewhat unexpected CCL surgery costing my over $8000 out-of-pocket initially. Embrace quickly got what was needed from my veterinary office and issued a payment to reimburse me. Could not have been easier.
5
out of 5
POSTED: | BY: Cynthia Terry
Recently filed claim- easy process
I’ve had Embrace about a year without having to use it. One of my pups recently got sick and I had to file a claim. The process was super easy. I do feel the price is a little steep compared to others, but I like that they are affiliated with USAA.
5
out of 5
POSTED: | BY: Alexandra Touris
The best insurance co
The best insurance co. Who cares about animals and there customers. I had to place two claims. It was taking care immediately. I recommend this co to everybody
5
out of 5
POSTED: | BY: Brenda jackson
My precious dog Summer didnt have to face a death sentence , thanks to Embrace .
When my dog Summer was just a puppy I purchased Embrace pet insurance . I knew I would spend any amount of money to save her if she should get cancer or something major .
Fast forward 10 years and we ran into trouble , a hugh tumor came up right at the anal gland , three Vets told me it would most certainly be cancer and even if benign it would be all into the nerves controlling colon and bladder .
The biospy came back benign , our vet was so excited to tell us ; however, it had to come out , it was growing very rapidly and would take over and kill her even though it would not metastasize to other organs .
I started looking for Vets that specilize in these type tumors , I located one in Nashville Tennessee . I made and appointment and she was operated on three days later . It was baseball size , went very deep and had many fingers branching out ; however , it had not grown into the nerves !!
She is five day out of surgery and doing great ! Embrace was easy to work with , I filed claims , embrace approved within days .
This was the first claims I have had with embrace , I couldn’t be more pleased with their service .The Vet told us most dogs are euthanized because of the expense of removing these tumors . All I can say Is Embrace took the expense worry away and I got to keep my precious Summer ! I would not have a pet that was not insured ! Highly recommend Embrace !
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.