Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Jeffrey

Wonderful pet insurance company allied with USAA

Found this company through USAA due to my veteran status. Both my dogs are covered. Recently, my BIG dog suffered a CCL tear (similar to an ACL tear in a human) while romping in the snow, and required a $5,000 emergency surgery. While you do have to pay the vet up front, the claims process for major medical expenses was fairly easy to navigate for reimbursement. Thanks Embrace!
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5

out of 5

POSTED: | BY: KP

This is the best pet insurance company…

This is the best pet insurance company in the world- former USAA insurance agent here. I have a 15 year old cat in the state of CA. I was able to find a provider who accepts direct pay. That means Embrace is paying my vet about $8,000 within 2 business days. I couldn’t afford to front the bill for surgery. Thank God for this policy. As a former agent, I got a $30,000 policy covered at 90% with a $1,000 deductible (highly advised!!!) I’m so grateful I’m literally crying right now. Thank you so much, Embrace. Much love and lifelong support for you all.
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5

out of 5

POSTED: | BY: Jean

Always speedy in their replys

Always speedy in their replys
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5

out of 5

POSTED: | BY: Peggy Bosley

Application process is easy

Application process is easy. Just wanted to change my dog’s coverage. I had trouble with the online site so I called. My person was so helpful and professional.
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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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