Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
4

out of 5

POSTED: | BY: Monica C.

First claim experience

While it took a while to get my claim approved, once everything was in the process ran smoothly. Communication was responded to in a timely manner and ultimately my claim was approved. I’m pleased with the service offered by Embrace.
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5

out of 5

POSTED: | BY: Lori Gaskin

Highly recommend Embrace

Embrace was prompt and efficient in processing my recent claim. They covered the issue to the fullest of my policy and did so in a seamless manner. I expect high quality from USAA products and Embrace definitely delivered.
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1

out of 5

POSTED: | BY: Consumer

Doesn’t really feel worth the money.

Doesn’t really feel worth the money.
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3

out of 5

POSTED: | BY: Mark Parish

service was what I expected

service was what I expected
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5

out of 5

POSTED: | BY: Morgan Monroe

Great Customer Support

Every interaction I had with the Embrace customer service team was memorable. Each person was able to answer my questions and give me comfort since my dog was diagnosed with cancer. Each person was very patient and made it very easy to understand the benefits I had in my policy. The claims process is fairly easy (through the app) and most of the claims I submitted were approved in a few days.
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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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