Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Kathryn

Great pet insurance- very prompt!

Went with Embrace because they were sponsored by USAA. Their customer service is phenomenal, they are extremely prompt with their processing times, and overall just wonderful to work with.
5

out of 5

POSTED: | BY: Mark Woolfson

Excellence

Excellence all around. I am very impressed with the quality of service; particularly the reimbursement process for pre-authorization and payment.
5

out of 5

POSTED: | BY: Frank

The best overall.

Hi there. I just started insurance for my dog Bailey (who I love with all my heart) and love it. The customer service is top notch excellent and claim services don't take long as little as 2 days and you aren't left to guess as to whether your claims were received. You are communicated with by E-mail every step of the way. Thank you very much Embrace. Frank and Bailey
5

out of 5

POSTED: | BY: Diane

excellent service

I signed up for Embrace in November and I recently had to submit a few claims. The service has been excellent! Customer service reps are polite and knowledgeable. I would highly recommend Embrace to my friends! Thank you for great service!
5

out of 5

POSTED: | BY: Anna Seidman

Friendly and quick

I submitted a claim for a dental cleaning for my cat. I talked to Embrace on the phone and heard from them by email, and they were very friendly and sent a check within less than 2 days.
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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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