Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Debbie

Embrace Rules!!!

This is a great company! Easy to work with the employees, who seem to care that Brady has the best care. He developed diabetes since he got on the policy, and Embrace has paid everything they said they would!
5

out of 5

POSTED: | BY: Steven

Super service and Knowledgeable about the insurance

Embrace Ins associate was knowledgeable patient and great customer service. She would’ve gotten five stars for me.
5

out of 5

POSTED: | BY: cathy

Great company wonderful experience

Great company wonderful experience. I highly recommend them all the time
5

out of 5

POSTED: | BY: Larry

Takes a bite out of pet care

Quick and easy claim. Submitted yesterday approved today. My vet swears by your service and glad she recommended us to you. Even better, I get a discount through USAA. We also have a young female lab on Embrace insurance as well. We save $500 a year on both pets medical care costs. Thanks.
5

out of 5

POSTED: | BY: Laurel

100% worth it. Saved me thousands of dollars and the pain of making expensive decisions about my fur-baby

I did tons of research before deciding on Embrace, and I'm so glad I went with it because I've had no hiccups during the claims process - they covered everything I expected them to. I had no idea I would need the insurance so badly, but my cat ended up having a lot of major, unexpected and unexplained health issues only a few months after starting my policy. She even had to be hospitalized at one point. She's doing fine now, but I had to spend over $4k on vet bills for her this past year. Embrace made the process fairly easy, and again, my claims were accepted. I do recommend getting the RX coverage; it's not that much more, and medications definitely start to add up. I only have two complaints...one is that the cost did increase a decent amount in the new plan year, a bit more than I expected. But I'll still stay with them after they saved me thousands this past year. The second issue is more minor - they had a "vet tech" type consulting service you could call to help get input on a health issue and whether it seemed important to take your pet in. They took away this feature but are supposedly seeking a new replacement service. I did find the service helpful the one time I used it. But the insurance is the most important part...and they did deliver as promised. I'm happy, my kitty is happy, and my bank account is reasonably happy.
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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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