Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,003

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: Jeremy

Embrace went above and beyond

Embrace went above and beyond. My dog got hurt since all the paperwork over from the emergency vet visit. We had the claim accepted and less than 24 hours I had the funds pending in my account.
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3

out of 5

POSTED: | BY: RayRosa Lara

1st time using embrace so we’ll wait…

1st time using embrace so we’ll wait for the outcome. All was easy and simple as far as filling the forms that were needed. Hope all goes well, thank you Embrace.
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5

out of 5

POSTED: | BY: Elaine Lynch

Best health insurance ever

Best health insurance ever. Clancy has been with Embrace since he was 2 months old, he is now 12 years old. I feel like I have a partner in Embrace, they have always checked on us and our claims. They have never questioned why a vet has ordered this or that. We love Embrace and hope to keep it for a few more years. Pawsome job!!!!
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5

out of 5

POSTED: | BY: Diane K

just submitted my first claim with…

just submitted my first claim with Embrace. It was easy to submit. So far very happy with my experience.
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5

out of 5

POSTED: | BY: Tom Clark

Great product with great service

Customer service representative was a complete professional in all respects. Courteous and knowledgeable and the product is exactly what we were looking for. USAA's recommendation was icing on the cake!
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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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