Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Linette

Excellent customer service and fast reimbursement

I’m very pleased with how helpful and professional Abby H. was with helping me with my claim. She went above and beyond my expectations. The reimbursement process was easy and very fast I received in the mail.
5

out of 5

POSTED: | BY: Alice

I have my puppy back because of Embrace!!!!

I am extremely fortunate to have chosen Embrace Insurance for my new puppy Rocky. He was just 10 weeks old when I got him and I decided to get insurance for him never thinking that I would need to use it until he was in his senior years. I had compared several companies and chose Embrace because of the good reviews online, competitive rate, overall coverage and their association with USAA. Less than a month after getting Rocky hesitated to lose his appetite and began to throw up. What I thought was a little stomach upset ended up being diagnosed as kidney failure either from a kidney infection or congenital issue.Rocky anded up being hospitalized for 6 days in two different emergency hospitals and needed multiple visits to our vet for days of IV fluid treatments. The bills kept mounting to over $8,000.00 and are still going. Embrace has been wonderful about covering each and every claim and I had only been a member for less than a month.Once they received all the information they needed they reviewed the claim and covered 90% of all of Rocky's medical expenses related to his kidney failure. The customer service representatives have always been friendly, knowledgable, and willing to go the extra step to facilitate the processing of the claim. Without Embrace I may have been forced to make some very unpleasant choices. Rocky is getting better and I feel like I have my sweet puppy back. Thanks to all the veterinarians who took care of him and to Embrace for making it all possible
5

out of 5

POSTED: | BY: Sejal

Best coverage

I have been with Embrace for over 4 years. My dog had 3 cancer removal surgeries. Thankfully all are covered and rest of the test and hospital stays too... Can't thank Embrace enough. Thank you very much. Without you guys, It would have been very difficult.
5

out of 5

POSTED: | BY: ronald

SO FAR THIS HAS BEEN A GREAT COMPANY FOR THE LAST 3 YEARS

WE ARE VERY HAPPY WITH EMBRACE KEEP UP THE GREAT WORK
5

out of 5

POSTED: | BY: Francine

Well worth it

Switched from another carrier due to price and claim processing issues. Embrace truly listens to policyholders .
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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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