Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Stacy Rodgers

Very best pet insurance available

The website is super easy to navigate, information presented very clearly, and claims submission online is a breeze. Rates are great and the ability to customize coverage is outstanding.
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5

out of 5

POSTED: | BY: Larry Gelb

Very easy pet insurance to use

Very easy pet insurance to use. Annual deductible much more understand than per illness deductible previous insurance had. They also have had very fast claims turnaround and good, accessible customer service.
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5

out of 5

POSTED: | BY: Olga Dzhulay

We have been with Embrace for over 10…

We have been with Embrace for over 10 years now. We had to call a couple of times and persons we spoke to were always polite and very helpful. I also appreciate fast claim review process and direct deposit set up.
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5

out of 5

POSTED: | BY: Claire

Super quick processing

Embrace processes claims faster than any other insurance - pet or human - than I've used before, with minimal or no back and forth for extra documentation. Highly reccomend.
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1

out of 5

POSTED: | BY: Justin Gleason

They have continually not followed…

They have continually not followed through with promises made to me when signing up for their service. I should have realized what they where offering outside of what was in writing was BS but I figured since USAA directed me to them they would be trust worthy. I am looking into other services….. not impressed
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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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