Embrace | Pet Insurance Review

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: Marjorie White

This is a great insurance

This is a great insurance. Claims quickly processed, staff very helpful. I highly recommend this insurance.
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5

out of 5

POSTED: | BY: Susan Tasaki

Best in Show

Because I've spent 20 years editing articles on dog care for magazine publication (and doing a whole lot of fact-checking), I did extensive due diligence before purchasing an Embrace policy for my middle-aged dog. Embrace was (and is) the best choice for my particular needs. The company's policies are clearly stated and their requirements are unambiguous. It's easy to file claims online and their response time is good. I recommend them.
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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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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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