4
out of 5
POSTED: | BY: Margaret
Very good!
Worth the money and piece of mind.
4.9
out of 5
Number of reviews 19,756
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: Jeff
Incredible Company
Just wow, for an insurance company, they are amazing. I told my parents about the quality of embrace and the quick turn around. To my disappointment they select another company - my dad now says "I wish I listened to you, I pay a deductible on every incident and they don't cover as much". Embrace quickly responds to questions, pays out quickly. I will always insure my animals with Embrace. My vet has even been shocked at how quickly they respond and what they will cover. My bully tore her acl, the first treatment went mostly to deductible as we hoped initially it was a sprain - that bill was $660 - I got back $276 - again most to deductible, a few months later we finally did surgery. Because it was the same incident there was no deductible, I got back $4000 on a $4400 surgery bill! My experience may differ from yours but I'm happy!
5
out of 5
POSTED: | BY: Cathy
So Easy!
My dog had ulcerative epithelial dystrophy. We started in emergency because of course I noticed this on a weekend and he was in so much pain. It wasn't healing so went to see my regular vet. We saw her a couple of times and the eye was still not healing. She then sent us to a specialist who performed a Corneal debridement. Embrace was awesome! Everything was covered and was handled so fast. Thanks Embrace!
5
out of 5
POSTED: | BY: Kevin
USAA and Embrace - Great Insurance!
This is a general comment about how pleased we have been with Embrace Pet Insurance. We have two dogs - a nine year old Beagle and a three year old Aussie. Both dogs have Wellness Plans and Accident/Insurance coverage. Thankfully - we have only had to use the Wellness Plans. And they cover everything a normal pet could need annually - to include obedience training. Our Aussie has passed the Canine Good Citizen exam and is now in a higher level of training to become a certified therapy dog. That training was covered as well! It is a comfort to know that we may never have to make a hard decision when it comes to providing both routine and emergency care for our beloved pets. Thank you Embrace and all of your friendly staff. And thank you to USAA for endorsing and referring members to Embrace for their pet insurance needs.
5
out of 5
POSTED: | BY: J
Excellent
After adopting my hot diggity dog i decided to invest in pet insurance to ease my mind. The adoption shelter offered free thirty day petplan insurance. The reason why i didnt stick with them even though they gave me a discount is the fact that there waa no wellness coverage, and the co insurance is different between acident and illness versus specialist visits. I loved the fact that embrace allowed me to submit claims easilu, either email, fax or online via uploading. In addition i completed the ortho exam which i got a response within twenty four hours. Calling customer servicr was pleasant, enthusiastic staff. They also respond email within 24 hrs. My first wellness claim was reviewed within 48hrs and it is currently being proceeced via direct deposit.
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 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.