Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,565

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 14,565

Updated: May 29, 2024

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: Pam Backofen

I can always rest easy when my dogs are…

I can always rest easy when my dogs are sick or need med refills. Embrace is fast to reimburse and always makes sure I know how much they truly care.
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5

out of 5

POSTED: | BY: Jarrett Reeder

New Puppy Owner Worries

I just got a puppy and was super nervous about what company to go with. I checked with a couple of places, but Embrace took the time to explain everything, and I felt comfortable and knowledgeable after the call. They also beat prices from all other companies I checked. I highly recommend them!
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3

out of 5

POSTED: | BY: la hudg

The representative tried to be frank…

The representative tried to be frank about the increasing cost of services and premiums, but I didn't find his comments sensitive or understanding to my situation.
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5

out of 5

POSTED: | BY: A Non-Smoker

My 3yo Boston was just diagnosed with…

My 3yo Boston was just diagnosed with congenital bilateral cataracts - and his surgery was 90% covered by USAA Embrace - a $10,000 surgery! We couldn't be happier :)
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5

out of 5

POSTED: | BY: Mat Bickley

Embrace Is Literally a Life Saver

Embrace has been great! And has helped us deal with the expenses involved in treating a dog with cancer. They have always paid my claims quickly.... usually within a week.
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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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