Embrace | Pet Insurance Review

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: Leigh Anne Harden

Quick, easy, reliable service!

Embrace and super easy to use, and quick in their responses. We’ve had good experiences having medical expenses covered and no issues or complaints! Highly recommend!
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5

out of 5

POSTED: | BY: Korina Meads

Easy, quick, and straight forward

Working with Embrace has been very straight forward from the beginning. No surprises which was a must for me. Submitting claims is very easy and response time is really fast. I am very pleased!!
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5

out of 5

POSTED: | BY: Christine Wheeler

All customer service reps I dealt with…

All customer service reps I dealt with were helpful and courteous. Embrace kept me up to date on the status of my claims. Received a check in a timely manner. I’m delighted that Embrace is affiliated with USAA!
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5

out of 5

POSTED: | BY: Julie Mignone

Thank you for truly caring

We have just experienced the worst thing ever for a pet parent. Our fur baby was only eight months old when we lost her. We went though two traumatic nights multiple visits and two surgeries. We would have done anything and we did. More than two weeks went by, and the time came to call the insurance company. I did not want to make this call. I flat out told the person we hadn’t even had the time to get all the paperwork completed. She was still a baby. Well from the first call with Faith to the gentle hand holding and sincere conversations with Jenn the process was still extremely painful but went smoothly. These ladies helped me get through an extremely raw time with care and understanding. Thank you to Embrace for having these ladies on your team.
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5

out of 5

POSTED: | BY: Missy Becker

I was hesitant to get pet insurance for…

I was hesitant to get pet insurance for my new pup but am sure glad I did. Great customer service and fast reimbursement. Could not as for a better experience
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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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