Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Michael

Embrace did what they what the promised to do every step of the way through the claim process.

Embrace was the right choice for my family. If I had it to do all over again, knowing what I know now, I would choose Embrace again.
5

out of 5

POSTED: | BY: Kathryn

Incredible experience

Embrace has been so helpful and supportive as our sweet, 5 year old dog got sick. She is okay now! From their customer service to the easy and fast claims experience you can tell they actually care. Thank you for referring us To Embrace Pet Insurance USAA!
5

out of 5

POSTED: | BY: Christine

Embrace is a five star, and receives A+

If you are looking for the best pet insurance, prompt reimbursement, wonderful personal affordable rates and always considerate of your feelings, look no farther. We have been with for 5 years with our two GSDs.
5

out of 5

POSTED: | BY: David

Embrace has to be the best.

In our opinion, Embrace has to be the best. A year or so after started our Embrace policy , our cat was diagnosed as diabetic and in need of daily maintenance. The folks at Embrace have been wonderful and we've had absolutely no issues with Molly's coverage. We especially like the simple claims process. We've needed to phone them a couple times and you just get the feeling Embrace only hires animal lovers. Since we've only ever used Embrace Pet Insurance, we can't speak for other companies. But Embrace has to be the best . . . . .
5

out of 5

POSTED: | BY: Tim

Wouldn’t have or want any better insurance.

I have had pet insurance with embrace since 2014. Can’t think of any other insurance that has been easier to file claims with both wellness claims and illness claims. For a change a company that takes care of its customers.
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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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