Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Gayle

Fast, efficient service

EMBRACE has been handling our "pound puppy" Bandit's insurance needs since she was 6 months old. They have always been courteous and very quick in handling all of our wellness claims. I would highly recommend this company.
5

out of 5

POSTED: | BY: Dave

Highly Recommend!

I was very apprehensive about signing up for pet insurance. When I saw USAA had paired up with them, I thought I'd give them a chance and I'm so glad I did!! They're exceptionally easy to work with and I haven't run into issues about things not being covered like I thought I might.
5

out of 5

POSTED: | BY: Lisa

So far, so good!

Although this claim was a small one - just an office visit with an x-ray, the bill was high enough to *almost* meet my deductible. It was processed very quickly, and we are fully prepared *just in case* our cat Radegast has to go back in for follow up care!
5

out of 5

POSTED: | BY: Steve

Good Insurance

Embrace proved to be exactly as advertised. No surprises and quick response. I am recommending it to all my pet owning friends.
5

out of 5

POSTED: | BY: Lisa

Best decision I ever made!!

After treating our yellow lab for 2.5 years for kidney failure, with no pet insurance, I knew I was going to get it for my golden as soon as I could financially afford to do so. I am so glad that I made that decision, not 2 months after the passing of my lab, my 7 year old golden was diagnosed with lymphoma. How hard that was mentally and financially, had Embrace not covered the treatment. I can not say enough about the staff at Embrace, so friendly, compassionate and helpful in working with you to get everything processed quickly. I receive my reimbursements for treatment like clockwork. This truly is the best desision I have ever made !!
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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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