Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Eva Andrews

Excellent coverage, compassionate, quick reimbursement, wellness program is really helpful, great customer service.

Embrace offered excellent rates and their wellness program is a real help with maintenance. My dog, Sam, had to be euthanized this year and Embrace covered the cost. My dog Bip, needed dental work and Embrace covered that. Barney, a standard poodle, needed grooming throughout the year and with the wellness program I was reimbursed for his upkeep. The best part of Embrace other than their timely payments, is that unlike other pet insurance companies I've used, Embrace does not try to deny claims. Their customer service reps are excellent - informative, patient, compassionate, really know the Embrace policies, and actually assist in getting the claims paid.
5

out of 5

POSTED: | BY: Trista Norton

I'm So Glad I Chose Embrace

I've had dogs my whole life, but have never had insurance. When I adopted an adult dog from a high kill shelter earlier this year I decided to research insurance for her. I ultimately chose Embrace as it seemed the smartest way to go and I was right! My dog began dealing with a health issue and Embrace has been super supportive. Claims are settled quickly and they have covered everything. I can't say enough about how glad I am that I chose insurance and that I chose Embrace. Having this insurance has allowed me to really give my dog the second chance she deserves.
5

out of 5

POSTED: | BY: Ashley P

Great insurance

Best pet insurance I’ve used. It’s simple to use and the customer service seems to be quick. Pet insurance can be tricky and always seems like there are some frustrating bits to it but The reps I’ve spoken with seem to know what they’re doing and will help with what they can
5

out of 5

POSTED: | BY: Naomi Neufeld

Superb help for our Rattlesnake bite crisis

I was always comforted by the idea that I had pet insurance and of course used the wellness benefits for their vaccinations and flea treatments, but Embrace really stepped up two weeks ago when Gemma, one of my Brittany’s was bitten by a baby rattlesnake- that we never saw! That set off a cascade of Emergency room visits, antivenin infusion, ICU care, meds, as well as rattlesnake vaccine for our other Britt. Our reimbursements were prompt. The EOBs easy to understand. Did you see that this occurred TWO WEEKS AGO!!!! I have been a USAA member for 47 years, and an Embrace enrollee for the past 7 years. All I can say is Thank you, I have recommended Embace to all of my neighbors friends and of course my family
5

out of 5

POSTED: | BY: Vince Rosse

Efficiency

Unfortunately, our little girl had allergies when we picked her up and Embrace was quick to help us through the issues. The processing of my claims have been quick and they were available for any questions I had. I would highly recommend them for insurance for your pet.

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 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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