Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,737

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: Sandra Kousek

Well worth the cost

I was hesitant to purchase pet insurance as I had heard many horror stories concerning high costs and poor service. But, I trusted USAA and decided to purchase Embrace insurance because of its affiliation with USAA. Two years later my dog Buddy suffered a broken leg requiring specialized surgery and multiple follow up appointments. Not only was it stressful but extremely expensive. Embrace reimbursed claims quickly; the staff was very helpful and the claims website was intuitive and easy to use. Best of all, the insurance more than paid for itself. I hope I never have to use it again but I will always keep my pet insured with Embrace!
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5

out of 5

POSTED: | BY: Carlos Hernandez

Embrace is the best Pet insurance…

Embrace is the best Pet insurance company available in US, my cousin was right when he recommend you. My experience was amazing easy and fast. I will definitely keep recommending this insurance company. I saved almost $4500 by having my dogs who had an emergency insured.
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1

out of 5

POSTED: | BY: jose flores

Terrible service

Terrible service, they love to give you the run around when is time for claims. I do not recommend their service.
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5

out of 5

POSTED: | BY: Lynn Oliver

Fast & Easy

I submitted a claim for my pet and it was approved and funds sent within 4 hours. Super easy & quick.
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5

out of 5

POSTED: | BY: Ilene Goldsmith Sporkin

Initial claim experience

My first experience with filing claims has been painless.
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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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