Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Ryan Lambe

The best bang for your buck

This is quite possibly the best patent Sharon's I have ever come across Filing a claim is quick and easy and they are processed with lightning speed the convenience of direct deposit only as to how great of a company embrace is there coverage is excellent and they truly care about their clients and their pants
5

out of 5

POSTED: | BY: Joan Bancroft

Very satisfied with all

We have enjoyed doing business with Embrace. Very satisfied with speedy payments.
5

out of 5

POSTED: | BY: Christophe

First Embrace claim review

My great pyrenee was attacked by two German sheapered on the lose and was bitten by the eye and flank. We took him to emergency who took care of the dog and filed our claim with embrace. That was it! A few weeks later our check was in the mail. Easy and fast.
5

out of 5

POSTED: | BY: James Inaldo

Lifesaver

Jewel was sick and required x-Ray and urine test which cost over $400. In addition my dog required a follow up test costing extra expense. Embrace insurance paid and processed my claim and was reimbursed in a short amount of time without hassle.
1

out of 5

POSTED: | BY: Jc

Selected the wrong pet plan

Been getting nothing but those dear John letters from embrace Seem like anything is pre-existing to them Paid over $2000 for breathing condition my dog is having but since the Doctor That overcharges me mention dog coughing in a previous exam nothing is covered paid over $2000 for breathing condition my dog is having but since the Doctor Who over charges me mentioned dog coughing in a previous exam nothing is covered. I selected embrace because of its affiliation with USAA insurance Needless to say my opinion of USAA decreased I really don't care that USAA is a military affiliated company they didn't do me no good. By steering me to embrace Before you get into any health insurance plan for your pet send that company the pet records within the cancellation period. And ask them to tell you which they consider pre-existing that they will not cover in the future. Let them tell you upfront before they start taking your money then telling you the Bad news after you paid for the plan for a few months Not recommended
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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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