Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: Rachel

Embrace takes the financial worry out of Medical decisions

Embrace had us my back on two different ER trips during the last 18 months. They are quick to answer questions over the phone and respond to submitted claims. They take the financial worry out of medical decisions. My dog Gatsby just left the ER on Friday afternoon after an overnight stay on IV medication and being in an oxygen cage (not cheap) and they just approved my claim Monday morning. Super fast. I highly recommend Embrace to anyone looking into Pet Insurance options.
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5

out of 5

POSTED: | BY: Veronica

Excellent service

EMBRACE helped me with all my needs. The claims process was quick and easy. Customer service was polite and informational.
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5

out of 5

POSTED: | BY: Linda Bastiani

I got them through USAA and the service…

I got them through USAA and the service representative I spoke to was very knowledgeable and pleasant.
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5

out of 5

POSTED: | BY: Brandon Lewis

Must Have!

They have been awesome and Embrace is a must have. Definitely helps out when the unexpected happens!
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1

out of 5

POSTED: | BY: MM

Not the best

Said they only take 30 days to do the medical history review but it took them more than 60 days. They're not available 24/7 and have very limited east coast working hours so it makes it hard to do anything with your insurance. They also signed me up for the wrong policy coverage because their website and system glitches (even their LVT said this) and I was unable to change it within the timeframe they allotted.
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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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