Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Liya

Great to Work With!

Embrace customer service representatives are always extremely helpful and polite. Claims are processed quickly and reimbursements are prompt. I would highly recommend this pet insurance to anyone!
5

out of 5

POSTED: | BY: Paula Briggs

Great insurance!

I provided Embrase with all of the detailed information for my dog and I received a payment within approx 2 weeks. I am very happy with this insurance and would recommend it to anyone.
5

out of 5

POSTED: | BY: Nancy

Embrace is Great to Have

I find that Embrace is fair in reviewing claims and the staff is easy to work with. They are very timely in responding to emails.
5

out of 5

POSTED: | BY: Roy

Very convenient/effecient process!

My poor pooch seems to run into trouble on about a yearly basis. Thankfully, I decided to invest in pet insurance through Embrace via USAA. Ben's latest adventure resulted in a very expensive trip to the puppy ER and my vet worked directly with Embrace to get everything resolved & covered with no hassle and very little delay. A great result over a difficult time. Thanks!
5

out of 5

POSTED: | BY: Greg

Expensive vet bill mostly covered

After several trips to the vet, my dog had over $1000 worth of bills and thanks to Embrace I was reimbursed for a majority of it.
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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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