Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Traci Miller

The best pet insurance!!!

We have a just 4 year old pup, best dog we have ever had. So much love in his eyes. Then we got the horrible news “lymphoma “. We took him to a specialist and he is in full remission!! Embrace paid all claims in a very quickly and timely manner with no disputing of any charges. They made this ungodly treatment a whole lot easier to bear. Thank you embrace. Max is a champion thanks to you!!
5

out of 5

POSTED: | BY: Scott

Incredible Company Incredible People

I literally am beyond words for appreciation towards EMBRACE pet insurance. My respect and loyalty towards this company is not just because they paid our claims in a proper and timely manner but more because of how the process was and the people that work there and how they helped and facilitated positive results for our family. It was tragic to hear that our loved family Pet Luke needed surgery. However having Embrace their for us thru the process and to have the peace of mind to have Luke’s claim covered was just such a relief. The folks at Embrace are just some of the nicest. We are customers for life and are grateful to have made the choice to get coverage with Embrace. Smartest thing we could have done.
5

out of 5

POSTED: | BY: Jen

Highly recommend!!

My did had an accident and the insurance was great. I got my check with in 2 weeks of submitting. Definately takes the pressure off of very expensive unexpected vet bills.
5

out of 5

POSTED: | BY: Taylor

Why didn't I get Insurance sooner

You don't realize you need insurance until something bad happens unexpectedly. That is what happened to our cats last year a week before our wedding. Having an extra $350 emergency vet visit before your wedding is the last thing you want. Then several months later a friend of our cat had to go to the doctor for x-rays and medication for back issues. Jacob and I looked at each other and realized we could no longer wait to get pet insurance. We are lucky enough to have USAA and be able to get embrace pet insurance by being members. The cost per month is worth it if it is going to cover an unexpected bill like our previous bill. If we had gotten pet insurance right away it would have taken us a year and a half to hit what we spent on our emergency pet visit for our cat. When our other cat started having seizures yesterday, I didn't have to worry about what tests the vet would want to run and how much it would cost, I knew I was covered by Embrace! They made the claim process so easy and were very understanding. Would highly recommend it!
5

out of 5

POSTED: | BY: Christine Rominger

Thank you for adding CD on your policy . I will recommend you on SCDR recommend you to the C

Ty for now listing Carolina dogs asa breed selection . I will recommend you to saving Carolina dog rescue - ty .

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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