Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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.
1

out of 5

POSTED: | BY: Raylene Cochran

The insurance we paid for was useless.

The insurance we paid for was absolutely useless. Nothing was covered for our dog, no regular health check ups, nothing. I’m sure there are other pet insurance companies that are worth purchasing, but Embrace Pet Insurance certainly is not. Thankfully we cancelled and will look into better pet insurance available.
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4

out of 5

POSTED: | BY: Carmen

Good customer service

Have had this coverage for a couple years, but thankfully haven’t needed to use it until recently. I thought the price was high, so called around to other insurers, and Embrace’s premium is actually quite fair and similar to other pet insurance for the same coverage. I chose this one because of their affiliation with USAA and good reputation. I had difficulty uploading documents and making a claim through the app, which is the only reason it wasn’t a five star rating. However, when I called customer service for help, they offered both guidance on using the app and alternate ways to make a claim. The app advice from customer service didn’t work, but they immediately sent an alternate means via email. Turn around and reimbursement was just a couple days. Happy with the service with no plans to look for alternate insurance.
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5

out of 5

POSTED: | BY: Jeanie Helms

Embrace has been very easy to do…

Embrace has been very easy to do business with over the last 4 years. We are so thankful that we elected to get insurance when our dog was a puppy. Embrace claims were easy to file over the years between surgeries and wellness visits. Reimbursement was fast and fair, just as expected. If we ever get another pet, we will certainly get them covered as well. The peace of mind Embrace offers is worth every penny!
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5

out of 5

POSTED: | BY: L. P. from California

Excellent service as always.

Excellent service as always.
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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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