Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: John Roig

Thorough organization. Responsive within reasonable time frames to inquiries. Listen to concerns/provide detailed explanations

As I mentioned, Embrace does respond and provide lengthy explanations on their coverages and policies. I had to appeal and ruling and was offered the opportunity to provide documentation in support. The interchanges were professional and complete. I have not been afforded all overages I sought but understand, once explained referring the policy, the whys (and why nots). It is an insurance company but seems to handle customer service better than others in this market. I also had a reimbursement request. - of a technical nature (I have two policies with them). After some discussion they came to a solution that is mutually beneficial. This is they way business should work. Find win/wins and implement them. Thank you
4

out of 5

POSTED: | BY: Pam Woody

I think embrace is a good insurance for…the big things and the small things Trust me you should get Embrace for your animals

I think embrace is a good insurance for pets. They have improved their claims. So fast so easy. I kept putting off sending in claims because it wasn’t as easy as it is now. I have recommended Embrace before but now I’ll let other know. I go to the dog park almost daily and some people have told me their going to sign up with their stimulus check.
5

out of 5

POSTED: | BY: Joanne M

Reliable !

Happy with the service . Easy to submit claims and fast processing of claims .
5

out of 5

POSTED: | BY: Susan Cameron

Easy, and worth every penny

I got pet insurance from Embrace via USAA about 6 months ago. Recently, my 5 year old Labrador, who has had almost zero health issues his entire life, chomped and then swallowed part of a cooked pork bone. I had to go to the emergency vet and have it surgically removed because it was a large chunk with some very sharp edges. As soon as I had all the paperwork and receipts organized, I submitted them to Embrace, and received my reimbursement extremely quickly. The platform is easy to use, and it is as low stress as possible when I am worrying about my fur child! I could not recommend Embrace highly enough. The ease of the platform, the friendly and approachable requests for documentation, and the speed of which I received the reimbursement check were outstanding. I have already recommended Embrace to multiple friends who have new pets.
5

out of 5

POSTED: | BY: Margaret

I never have to stress about submitting…

I never have to stress about submitting a claim with Embrace insurance. They seem to always do what they say they will do - no hassle involved. I truly have great peace of mind when thinking about the well-being of my pups.

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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