Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Kimberley Seigel

Great arrangement with USAA

Great arrangement with USAA - quick resolution of (unfortunately) multiple claims. Great customer service by phone - special hotline for USAA members equals short queue time. Also happy opted to have full coverage per emergencies + routine health maintenance. I LOVE EMBRACE!
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5

out of 5

POSTED: | BY: Bryan Dunlap

Sadie, Boxer, Says Wow

Sadie, My Boxer, Sadie, has health insurance from Embrace and Embrace is the best (imo) in the K9 health insurance business. Easy claim submittal, and fast processing.
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5

out of 5

POSTED: | BY: Kevin Duncan

Claims paid promptly

Claims paid promptly, in early years having insurance was to protect & for most part didn't use. But our dog developed many health issues with age & having insurance is very helpful
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5

out of 5

POSTED: | BY: Rayesfam

Love Embrace!

Love Embrace! Easy claim submission and always quick direct deposit to bank account when claim reimbursed.
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5

out of 5

POSTED: | BY: George Felix

It was pretty easy to do the claim

It was pretty easy to do the claim
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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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