Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,627

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: Chelsey H

Way too $$ for the payout

At our renewal, our rates DOUBLED- NO claims or pre-existing conditions. Shop around- there are better alternatives than Embrace.
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5

out of 5

POSTED: | BY: D. Levy

Easy to submit a claim!

This is the first time we’ve ever used pet insurance and so far it’s been an easy process. So glad we finally signed up!
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4

out of 5

POSTED: | BY: Mendy Wagner-Chard

Oliver's Health

Just signed up a week ago and feel so much better knowing my Oliver's health is covered. I never want to be faced with the decision of my pets life over money. I do appreciate the attention surrounding my enrollment and the convenience of signing up though USAA.
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5

out of 5

POSTED: | BY: Gary Curtis

Love dealing with your company

Love dealing with your company. Only problem I encountered was when I was trying to file for payment for a prescription that I receive for NEWGUARD PLUS, I didn't see a a diagnosis to file this under. Might be my problem but a little comment might make next time even better
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5

out of 5

POSTED: | BY: Lisa Raubenheimer

We are very happy with our experience…

We are very happy with our experience with Embrace Pet Insurance. Submitting a claim is super easy and we usually get a response that the claim has been completed within 24 hours. We have not had any problems. If a claim has been denied, it is always explained and is understandable.
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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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