Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Sean Oleary

Amazing speed of claim review and…

Amazing speed of claim review and payment! Embrace is superb pet insurance. Their review process is quick and hassle free. Just the type of service you need when dealing with the stress of a very sick animal. They have earned my permanent business and I will tell everyone I know to switch to Embrace! Bravo!
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5

out of 5

POSTED: | BY: customer

Our rescue dog became very ill after…

Our rescue dog became very ill after only having her for about 6 weeks. Our daughter, a veterinary technician, recommended we purchase pet insurance and several of her colleagues had purchased Embrace and were very pleased. They have been a lifesaver and have saved us close to $2000! It was very easy to submit a claim and they reimbursed us quickly. I would definitely recommend Embrace pet insurance.
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5

out of 5

POSTED: | BY: PATRICIA DOUGHERTY

Quality Company

The company was very helpful with my dog's medical issue. They responded quickly to my concerns. They offered a fair insurance payout.
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5

out of 5

POSTED: | BY: Cg

Great service

I signed up for Embrace earlier this year and had to use it for the first time. They were great! No issues processing and fast payment. So glad I switched to them.
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1

out of 5

POSTED: | BY: Oscar Ornelas

Your insurance sucks

Your insurance sucks! How can you deny a claim for a one-year old puppy because of preexisting condition. She’s only a year old! I assumed since you were affiliated with USAA, that you were a reputable company. I was sadly mistaken.
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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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