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: Heather

I am so thankful for embrace!

I absolutely love Embrace Pet Insurance! I'm so glad that I got this pet insurance on my golden retriever as soon as I adopted him. He was healthy and happy until he developed epilepsy at the age of 3. Embrace has allowed our family to be at ease when it comes to spending money on my dog's treatment. It's highly affordable for the value it provides. Plus, the company's customer service is ABOVE AND BEYOND what I could even dream of. From chat support to phone calls with such kind human beings, I couldn't praise them more! I tell all my friends who have pets how strongly I feel about pet insurance, specifically Embrace. I joke that I should be a paid spokesperson for them, but of course I am not.
5

out of 5

POSTED: | BY: Larry

Grizzly

Great company with many good plans to choose from and very speedy claim reimbursements. Recommended by USAA which is the reason for using embrace. Very happy with the service. Washington insurance regulations have caused rate increases which would apply to all pet policy’s.
5

out of 5

POSTED: | BY: Joseph

Hip Injury

I was pleased with the easy claim process and the quick response.
5

out of 5

POSTED: | BY: Branden

Amazing customer service

I spoke to several different pet insurance companies, but ended up going with Embrace. Most companies treated this simply as a transaction, but Shannon from Embrace treated this is if the pet was her own. She walked me through everything (what was covered, what is not, what are next steps, etc). This was my first time doing pet insurance, and would highly recommend
5

out of 5

POSTED: | BY: A.

Thank you, Embrace. Great customer (and pet) service.

Great service and care for my active Boston! Thank you.
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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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