Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,940

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: Ted

I am so happy we found Embrace's pet insurance

I looked at all the other pet insurance out there. None even compare to embrace. We have had do unfortunately submit three claims for our young Yorkie. Embraces processed each one fast and efficiently without any problems. This is one of the best choices I have ever made. I recommend them to everybody I know! They make the process so simple! Claim filing could not be easier
5

out of 5

POSTED: | BY: Andy

Best insurance out there

I shopped around for pet insurance when we got our new dog. We had a Border Collie two years ago that died from cancer, I wish we had insurance then and we did all we could for him, this time I decided to purchase dog insurance, I was very pleased to find that as a USAA insurance member that Embrace was being offered. This was a no brainer for me as USAA only offers top notch companies to their membership. After joining Embrace I could not be more pleased, our claims are quickly handled and checks are mailed out quickly, I have had no problem speaking with agents on the phone and emails are quickly answered. Pet insurance is not cheap, but I am a person who strongly believes that you get what you pay for and just like any other insurance it is peace of mind knowing that in an emergency my dog will have the best care and have an insurance company who will be with me along the way.
5

out of 5

POSTED: | BY: CDC

Fantastic service

Quick turnaround, good communication, and quick reimbursement. I've been very happy with embrace!
5

out of 5

POSTED: | BY: Steve

Embrace is he best

I would highly recommend embrace pet insurance and do to every pet owner I know. I alway hope I will never have to use the insurance but when I had to they have been very quick at reimbursements. I sadly say that when my Great Dane needed extensive medical attention I felt better because I knew I could give him everything he needed because I did have this insurance. We did loose Nitro but I know I did everything I could for him. Embrace also seem to really care and I even revived a condolence card after we lost nitro. I most certinly will be getting it again with my new puppy when I find one and I also have it on my Dobe Betty Boop.
5

out of 5

POSTED: | BY: Juliann

Long time customer

Have had embrace for my pets for over 8 years.Had dog with cancer cover over 10K before he died. Currently have dog and cat covered. Always get quick return on claims. Coverage is accurate as stated on policy. Customer service always quick and polite.
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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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