Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,675

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: Anonymous

Covers accidents and illnesses promptly…

Covers accidents and illnesses promptly and easy to submit claims. Does not cover pre-existing so not for all dogs. Peace of mind for dogs who tend to eat non- food items.
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5

out of 5

POSTED: | BY: Lorrie W

Highly recommend Embrace Insurance

We've never had insurance in the past for any pets, so we were not sure if we should get it nor what it covered. When USAA offered it, we decided we should get it to cover any unforeseen issues with our little guy. The first claims were seamless in that we just submitted everything, and Embrace would look everything over and contact the doctor if they needed anything else. The contact info on the website help us understand what is covered. I would highly recommend Embrace Pet Insurance to everyone!!
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5

out of 5

POSTED: | BY: Nancy Wu

Always simple and quick

Always simple and quick, best experience! đź‘Ť
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5

out of 5

POSTED: | BY: Shawna Saldana

Very responsive

Very responsive . Straight forward and easy to navigate their APP to submit invoices.
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5

out of 5

POSTED: | BY: Roxanne Himmelberger

Great service

The representative was very kind and helpful. Great service!
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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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