Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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.
2

out of 5

POSTED: | BY: Deborah Kerns

The web site didn't work at all…

The web site didn't work at all yesterday. Today, it bounced me back to the homepage 6 times during the claims process.
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4

out of 5

POSTED: | BY: Kathy Ward Kat

Great product

Great product. It really helps my dog to stay healthy.
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5

out of 5

POSTED: | BY: Tonia and Maple

4 paws up for Embrace

4 paws up for Embrace! I've had dogs my whole life and finally tested out pet insurance with one of my dogs, who happened to need ACL surgery. I was skeptical that pet insurance would cover this without a lot of hassle, but to my surprise, Embrace did! They covered my dogs surgery without any hassle and did so quickly. I'm sold on pet insurance after this experience and would recommend Embrace. Thank you Embrace!!!
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5

out of 5

POSTED: | BY: michelle egland

Reimbursement without the fight!

I have had Embrace insurance for three of my dogs. Although with each animal the first claim took a little longer(but still within a 7-10 days), each subsequent claim has been dealt with quickly and efficiently, on some occasions, the same or next day! This gives great peace of mind knowing that "fighting" with my pet insurance for reimbursement is not on my radar when dealing with my ill pet. This is much appreciated . Highly recommend
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5

out of 5

POSTED: | BY: Stacy Kleinz

This transition to Embrace was so easy

This transition to Embrace was so easy! Thank goodness for USAA and their fine service, for pointing me in this direction! Embrace offers great packages, and I am getting more for a better rate-saving over $200!
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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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